Saint Paul, MN · Charter 68721
NCUA · 9 branches
Q4 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.35% | 0.43% | 0.50% | 0.48% | 0.41% | 0.36% | 0.33% | -18 bps | |
| Return on Equity | 2.73% | 3.62% | 4.47% | 5.29% | 4.97% | 4.19% | 3.69% | 3.29% | -199 bps | |
| Net Interest Margin | 2.01% | 2.17% | 2.31% | 2.37% | 2.78% | 2.74% | 2.72% | 2.76% | +39 bps | |
| Efficiency Ratio | 89.72% | 87.97% | 83.10% | 81.35% | 76.61% | 79.03% | 81.80% | 85.28% | +393 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.21% | 2.90% | 3.03% | 4.15% | 3.92% | 4.39% | 3.50% | -0.75% | -490 bps | |
| Loan Growth (YoY) | 5.98% | 10.24% | 18.65% | 19.42% | 21.17% | 17.02% | 10.05% | 5.50% | -1,392 bps | |
| Share Growth (YoY) | 5.39% | 3.74% | 2.85% | -1.49% | -4.55% | -6.28% | -7.91% | -5.94% | -445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.30% | 0.44% | 0.48% | 0.39% | 0.45% | 0.45% | 0.48% | 0 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 | 0.59% | 0.53% | 0.57% | 0.52% | 0.00% | 0.00% | 0.00% | 0.00% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.37% | 9.56% | 9.57% | 9.54% | 9.58% | 9.70% | 9.70% | 9.94% | +40 bps | |
| Net Worth / Assets | 9.37% | 9.56% | 9.57% | 9.54% | 9.58% | 9.70% | 9.70% | 9.94% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.35% | 65.42% | 71.05% | 75.62% | 77.88% | 81.69% | 84.91% | 84.81% | +920 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |