St Paul, MN · Charter 65397
Q1 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.15% | 0.28% | 0.15% | -0.35% | -70 bps | |
| Return on Equity | 2.19% | 1.00% | 1.72% | 0.94% | -2.21% | -439 bps | |
| Net Interest Margin | 3.68% | 3.58% | 3.86% | 3.83% | 3.02% | -65 bps | |
| Efficiency Ratio | 82.76% | 84.46% | 78.96% | 79.96% | 111.06% | +2,829 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.37% | 3.38% | 0.10% | -1.19% | 1.03% | +140 bps | |
| Loan Growth (YoY) | 0.03% | 3.21% | 1.29% | -4.05% | -5.51% | -554 bps | |
| Share Growth (YoY) | -1.49% | 3.48% | -0.31% | -1.58% | 1.41% | +290 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.09% | 1.14% | 1.73% | 0.61% | 0.78% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.23% | 0.35% | 0.36% | 0.39% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.92% | 15.34% | 16.06% | 16.12% | 15.73% | -19 bps | |
| Net Worth / Assets | 15.92% | 15.34% | 16.06% | 16.12% | 15.73% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.86% | 100.19% | 102.54% | 97.47% | 91.18% | -668 bps | |
| Liquid Assets / Assets | 14.48% | 12.59% | 10.83% | 14.99% | 18.77% | +429 bps | |