Minneapolis, MN · Charter 64702
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, 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.
Minneapolis, MN · Charter 64702
Q4 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.45% | 4.99% | 4.92% | 6.10% | 1.12% | -532 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -5.65% | -1.45% | 6.88% | 4.69% | n/a | |
| Loan Growth (YoY) | n/a | 37.04% | 37.76% | 22.58% | 14.95% | n/a | |
| Share Growth (YoY) | n/a | -11.17% | -5.57% | 4.78% | 8.90% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.87% | 3.34% | 3.24% | 3.61% | 4.21% | +133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.96% | 1.43% | 1.36% | 5.69% | +487 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.69% | 106.32% | 113.12% | 113.29% | 110.51% | +582 bps | |
| Liquid Assets / Assets | 14.24% | 11.60% | 6.54% | 8.62% | 8.28% | -596 bps | |