Minneapolis, MN · Charter 65181
Q2 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | -0.02% | -0.04% | -0.10% | 0.06% | -30 bps | |
| Return on Equity | 2.56% | -0.23% | -0.40% | -1.05% | 0.60% | -196 bps | |
| Net Interest Margin | 4.71% | 4.65% | 4.21% | 4.38% | 4.33% | -39 bps | |
| Efficiency Ratio | 92.44% | 99.62% | 100.85% | 102.24% | 98.68% | +624 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.83% | -11.46% | -11.07% | -8.56% | -7.76% | -393 bps | |
| Loan Growth (YoY) | -6.21% | -21.75% | -7.61% | -2.21% | -11.07% | -486 bps | |
| Share Growth (YoY) | -4.33% | -6.47% | -5.86% | -4.49% | -3.25% | +108 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 22.86% | 23.99% | 29.82% | 11.47% | 22.09% | -77 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.70% | 13.44% | 12.72% | 11.55% | 12.83% | +1,013 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.90% | 8.91% | 8.92% | 9.31% | 9.48% | -441 bps | |
| Net Worth / Assets | 13.90% | 8.91% | 8.92% | 9.31% | 9.48% | -441 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.19% | 61.99% | 66.88% | 64.82% | 59.92% | -527 bps | |
| Liquid Assets / Assets | 44.09% | 49.77% | 45.58% | 46.61% | 51.45% | +736 bps | |