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H.B.I. Employees

St. Paul, MN · Charter 64959

NCUA · 1 branch

Q1 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2022, the quarter ended March 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

H.B.I. Employees

St. Paul, MN · Charter 64959

NCUA · 1 branch

Q1 2022

$9.1MAssets
$3.2MLoans
$8.3MShares
$791KNet Worth

Executive Summary

  • Earnings: ROA of -9.04%, down 866 bps year over year; NIM at 1.77%.
  • Asset quality: problem loans at 0.03% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.72%, down 74 bps from a year ago.
  • Funding: loans stand at 38.38% of shares as of Q1 2022.

Return on Assets (YTD, annualized)

-9.04%-866 bps YoY

Net Interest Margin (YTD, annualized)

1.77%+8 bps YoY

Efficiency Ratio (YTD, annualized)

446%+33,211 bps YoY

Net Worth / Assets

8.72%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets-0.49%-0.50%-0.43%-0.38%0.01%-0.08%-0.10%-9.04%-866 bps
Return on Equity-4.34%-4.37%-4.20%-4.02%0.13%-0.75%-0.96%-103.67%-9,965 bps
Net Interest Margin2.19%2.28%2.16%1.69%1.87%1.89%2.01%1.77%+8 bps
Efficiency Ratio116.51%113.58%113.18%114.15%98.13%101.59%109.20%446%+33,211 bps
Growth
Asset Growth (YoY)13.47%9.83%21.67%25.30%6.05%9.17%-2.72%-13.81%-3,911 bps
Loan Growth (YoY)-3.21%15.54%14.43%8.51%3.44%-8.35%-7.70%-5.83%-1,434 bps
Share Growth (YoY)15.70%11.91%25.58%29.28%6.95%10.38%-3.09%-13.28%-4,257 bps
Asset Quality
Delinquent Loans / Loans0.32%0.21%0.06%0.04%0.04%0.02%0.05%0.03%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.63%0.60%0.59%0.59%0.65%0.61%0.10%0.00%-59 bps
Capital
Risk-Based Capital11.29%11.36%10.32%9.46%10.45%10.26%10.51%8.72%-74 bps
Net Worth / Assets11.29%11.36%10.32%9.46%10.45%10.26%10.51%8.72%-74 bps
Liquidity & Funding
Loans / Shares40.66%48.49%41.87%35.34%39.33%40.26%39.87%38.38%+304 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps