St. Paul, MN · Charter 64722
NCUA · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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. Paul, MN · Charter 64722
NCUA · 2 branches
Q3 2016
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | -0.25% | 0.36% | 0.44% | 0.01% | -16 bps | |
| Return on Equity | 1.76% | -2.41% | 3.62% | 4.50% | 0.12% | -163 bps | |
| Net Interest Margin | 2.82% | 2.81% | 2.83% | 2.74% | 2.74% | -9 bps | |
| Efficiency Ratio | 93.09% | 103.56% | 90.08% | 95.89% | 103.59% | +1,050 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.88% | 6.44% | -4.03% | 2.46% | -1.34% | -622 bps | |
| Loan Growth (YoY) | -7.89% | -7.63% | -8.16% | -5.09% | -4.46% | +343 bps | |
| Share Growth (YoY) | 7.65% | 7.66% | 1.35% | 3.14% | -1.21% | -886 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.68% | 0.61% | 0.59% | 0.24% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.81% | 0.79% | 0.47% | 0.34% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.08% | 10.29% | 9.95% | 9.78% | 9.86% | -23 bps | |
| Net Worth / Assets | 10.08% | 10.29% | 9.95% | 9.78% | 9.86% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.79% | 57.44% | 55.24% | 53.84% | 53.95% | -183 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |