Minnetonka, MN · Charter 68654
NCUA · 8 branches
Q4 2018
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.89% | 0.79% | 0.80% | 0.80% | +18 bps | |
| Return on Equity | 5.47% | 7.96% | 6.76% | 6.81% | 6.82% | +136 bps | |
| Net Interest Margin | 2.73% | 2.79% | 2.90% | 2.93% | 3.07% | +35 bps | |
| Efficiency Ratio | 79.24% | 75.17% | 77.15% | 77.53% | 78.91% | -33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.73% | 2.75% | 1.41% | 0.88% | -1.07% | -380 bps | |
| Loan Growth (YoY) | 8.37% | 8.60% | 7.61% | 7.16% | 8.85% | +48 bps | |
| Share Growth (YoY) | 2.16% | 2.22% | 0.91% | 0.32% | -1.56% | -372 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.08% | 0.04% | 0.08% | 0.11% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.30% | 0.29% | 0.27% | 0.28% | 0.22% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.37% | 11.18% | 11.62% | 11.72% | 11.69% | +32 bps | |
| Net Worth / Assets | 11.37% | 11.18% | 11.62% | 11.72% | 11.69% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.42% | 69.63% | 73.24% | 74.66% | 80.08% | +766 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |