St. Cloud, MN · Charter 64652
NCUA · 2 branches
Q2 2019
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 1.04% | 1.27% | -0.64% | -1.86% | -297 bps | |
| Return on Equity | 8.93% | 8.11% | 10.25% | -5.26% | -15.03% | -2,396 bps | |
| Net Interest Margin | 6.61% | 6.54% | 6.09% | 5.96% | 6.43% | -18 bps | |
| Efficiency Ratio | 78.05% | 77.57% | 78.95% | 100.90% | 100.19% | +2,214 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.81% | -8.67% | -0.05% | 2.25% | -0.46% | +434 bps | |
| Loan Growth (YoY) | -9.49% | -12.49% | -6.84% | -1.71% | 4.39% | +1,388 bps | |
| Share Growth (YoY) | -6.69% | -9.71% | 0.52% | 2.87% | 1.10% | +780 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.59% | 1.48% | 1.15% | 1.07% | 1.33% | -26 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.45% | 12.76% | 12.39% | 12.13% | 12.38% | -7 bps | |
| Net Worth / Assets | 12.45% | 12.76% | 12.39% | 12.13% | 12.38% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |