Minnetonka, MN · Charter 68654
NCUA · 8 branches
Q4 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.32% | 0.41% | 0.62% | 0.89% | 0.79% | 0.80% | 0.80% | +18 bps | |
| Return on Equity | 2.24% | 2.93% | 3.77% | 5.47% | 7.96% | 6.76% | 6.81% | 6.82% | +136 bps | |
| Net Interest Margin | 2.56% | 2.62% | 2.65% | 2.73% | 2.79% | 2.90% | 2.93% | 3.07% | +35 bps | |
| Efficiency Ratio | 88.41% | 87.39% | 84.70% | 79.24% | 75.17% | 77.15% | 77.53% | 78.91% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.30% | 6.63% | 3.71% | 2.73% | 2.75% | 1.41% | 0.88% | -1.07% | -380 bps | |
| Loan Growth (YoY) | 9.15% | 9.59% | 6.69% | 8.37% | 8.60% | 7.61% | 7.16% | 8.85% | +48 bps | |
| Share Growth (YoY) | 4.60% | 7.28% | 3.73% | 2.16% | 2.22% | 0.91% | 0.32% | -1.56% | -372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.09% | 0.09% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.21% | 0.24% | 0.25% | 0.30% | 0.29% | 0.27% | 0.28% | 0.22% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.71% | 10.93% | 10.91% | 11.37% | 11.18% | 11.62% | 11.72% | 11.69% | +32 bps | |
| Net Worth / Assets | 10.71% | 10.93% | 10.91% | 11.37% | 11.18% | 11.62% | 11.72% | 11.69% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.54% | 68.68% | 69.89% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |