Minneapolis, MN · Charter 64706
NCUA · 2 branches
Q4 2023
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | -0.25% | -0.35% | -0.29% | -0.38% | -77 bps | |
| Return on Equity | 5.26% | -3.39% | -4.81% | -4.04% | -5.15% | -1,041 bps | |
| Net Interest Margin | 2.59% | 2.38% | 2.41% | 2.44% | 2.52% | -7 bps | |
| Efficiency Ratio | 85.17% | 101.43% | 103.57% | 102.87% | 103.14% | +1,797 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.65% | 4.72% | -3.10% | -3.52% | -5.41% | -1,506 bps | |
| Loan Growth (YoY) | 13.85% | 9.07% | 2.91% | -0.41% | -1.81% | -1,566 bps | |
| Share Growth (YoY) | 9.71% | 4.81% | -3.44% | -3.56% | -5.42% | -1,513 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.23% | 0.41% | 0.30% | 0.06% | -27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.36% | 0.38% | 0.00% | 0.00% | -34 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.36% | 7.25% | 7.29% | 7.29% | 7.41% | +4 bps | |
| Net Worth / Assets | 7.36% | 7.25% | 7.29% | 7.29% | 7.41% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.41% | 77.83% | 79.44% | 78.82% | 80.37% | +296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |