Tolna, ND · Charter 68692
NCUA · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tolna, ND · Charter 68692
NCUA · 1 branch
Q4 2018
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 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|
| Earnings | |||||
| Return on Assets | 0.02% | -0.32% | -6.49% | n/a | |
| Return on Equity | 0.13% | -2.11% | -59.63% | n/a | |
| Net Interest Margin | 1.41% | 1.49% | -4.54% | n/a | |
| Efficiency Ratio | 98.67% | 120.02% | n/a | n/a | |
| Growth | |||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||
| Delinquent Loans / Loans | 6.99% | 2.23% | 2.11% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.03% | 3.04% | 3.15% | n/a | |
| Capital | |||||
| Risk-Based Capital | 14.69% | 15.37% | 10.89% | n/a | |
| Net Worth / Assets | 14.69% | 15.37% | 10.89% | n/a | |
| Liquidity & Funding | |||||
| Loans / Shares | 47.78% | 51.12% | 52.02% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | n/a | |