St. Cloud, MN · Charter 64652
NCUA · 2 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
St. Cloud, MN · Charter 64652
NCUA · 2 branches
Q2 2019
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | 0.09% | 0.50% | 1.11% | 1.04% | 1.27% | -0.64% | -1.86% | -297 bps | |
| Return on Equity | -3.21% | 0.83% | 4.34% | 8.93% | 8.11% | 10.25% | -5.26% | -15.03% | -2,396 bps | |
| Net Interest Margin | 6.14% | 6.29% | 6.31% | 6.61% | 6.54% | 6.09% | 5.96% | 6.43% | -18 bps | |
| Efficiency Ratio | 85.76% | 80.87% | 85.51% | 78.05% | 77.57% | 78.95% | 100.90% | 100.19% | +2,214 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.73% | 8.74% | 5.95% | -4.81% | -8.67% | -0.05% | 2.25% | -0.46% | +434 bps | |
| Loan Growth (YoY) | 13.46% | 7.18% | -1.02% | -9.49% | -12.49% | -6.84% | -1.71% | 4.39% | +1,388 bps | |
| Share Growth (YoY) | 13.78% | 11.46% | 6.25% | -6.69% | -9.71% | 0.52% | 2.87% | 1.10% | +780 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 1.78% | 1.99% | 1.24% | 1.93% | 1.99% | 2.18% | 2.14% | +89 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 1.35% | 1.51% | 1.59% | 1.48% | 1.15% | 1.07% | 1.33% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.60% | 11.12% | 11.40% | 12.45% | 12.76% | 12.39% | 12.13% | 12.38% | -7 bps | |
| Net Worth / Assets | 10.60% | 11.12% | 11.40% | 12.45% | 12.76% | 12.39% | 12.13% | 12.38% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.34% | 98.17% | 95.96% | 98.77% | 96.28% | 90.98% | 91.69% | 101.98% | +321 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |