Minneapolis, MN · Charter 64447
Q2 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.95% | 1.59% | 1.09% | 1.35% | 1.43% | -252 bps | |
| Return on Equity | n/a | n/a | n/a | 6.66% | 7.41% | n/a | |
| Net Interest Margin | n/a | 4.59% | 4.05% | 4.35% | 4.45% | n/a | |
| Efficiency Ratio | n/a | 68.17% | 75.71% | 68.66% | 66.87% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 15.37% | 15.49% | 13.47% | 13.88% | 16.59% | +122 bps | |
| Loan Growth (YoY) | 13.15% | 14.83% | 30.59% | 37.84% | 21.09% | +795 bps | |
| Share Growth (YoY) | 15.08% | 16.19% | 15.71% | 13.00% | 17.74% | +266 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.12% | 0.10% | 0.65% | 0.55% | +41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.38% | 0.28% | 0.52% | 0.68% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 20.24% | 19.29% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 20.24% | 19.29% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.01% | 77.19% | 87.06% | 86.05% | 75.09% | +208 bps | |
| Liquid Assets / Assets | 23.38% | 17.27% | 9.25% | 19.71% | 20.54% | -285 bps | |