Plymouth, MN · Charter 64845
NCUA · 3 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Plymouth, MN · Charter 64845
NCUA · 3 branches
Q1 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.31% | 0.57% | 0.63% | -3.96% | -451 bps | |
| Return on Equity | 5.82% | 3.25% | 5.89% | 6.44% | -45.57% | -5,139 bps | |
| Net Interest Margin | 4.33% | 4.47% | 4.45% | 4.46% | 4.42% | +10 bps | |
| Efficiency Ratio | 87.34% | 87.75% | 84.53% | 84.74% | 170.46% | +8,312 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.85% | 2.45% | -0.76% | 5.11% | 3.22% | -263 bps | |
| Loan Growth (YoY) | 1.71% | 0.32% | 3.84% | 7.14% | 1.06% | -65 bps | |
| Share Growth (YoY) | 12.92% | 9.06% | 4.92% | 4.82% | 4.18% | -875 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.40% | 0.31% | 1.48% | 0.90% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.43% | 0.48% | 0.47% | 0.51% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.53% | 9.59% | 9.67% | 9.83% | 8.69% | -84 bps | |
| Net Worth / Assets | 9.53% | 9.59% | 9.67% | 9.83% | 8.69% | -84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.59% | 88.31% | 84.95% | 84.35% | 81.09% | -250 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |