St. Paul, MN · Charter 64959
NCUA · 1 branch
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.19% | 2.28% | 2.16% | 1.69% | 1.87% | 1.89% | 2.01% | 1.77% | +8 bps | |
| Efficiency Ratio | 116.51% | 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 / Loans | 0.32% | 0.21% | 0.06% | 0.04% | 0.04% | 0.02% | 0.05% | 0.03% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.60% | 0.59% | 0.59% | 0.65% | 0.61% | 0.10% | 0.00% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.29% | 11.36% | 10.32% | 9.46% | 10.45% | 10.26% | 10.51% | 8.72% | -74 bps | |
| Net Worth / Assets | 11.29% | 11.36% | 10.32% | 9.46% | 10.45% | 10.26% | 10.51% | 8.72% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.66% | 48.49% | 41.87% | 35.34% | 39.33% | 40.26% | 39.87% | 38.38% | +304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |