Sioux Falls, SD · Charter 11034
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.22% | 4.00% | 1.32% | 3.43% | 3.44% | -78 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -7.26% | -9.13% | -23.43% | -16.09% | 17.43% | +2,469 bps | |
| Loan Growth (YoY) | -8.41% | -5.48% | -18.52% | -25.49% | -11.98% | -357 bps | |
| Share Growth (YoY) | -0.47% | 4.07% | -11.29% | -10.24% | 20.68% | +2,115 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.40% | 3.71% | 6.58% | 1.14% | 2.56% | -84 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.65% | 1.71% | 2.44% | 3.04% | 3.15% | +150 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.63% | 107.18% | 100.88% | 84.98% | 74.85% | -2,778 bps | |
| Liquid Assets / Assets | 1.86% | 0.96% | 1.84% | 0.00% | 27.16% | +2,530 bps | |