Cheyenne, WY · Charter 15213
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.34% | -3.78% | 0.84% | 1.39% | 1.12% | -222 bps | |
| Return on Equity | n/a | n/a | n/a | 19.73% | 16.21% | n/a | |
| Net Interest Margin | n/a | 3.92% | 4.98% | 5.35% | 4.22% | n/a | |
| Efficiency Ratio | n/a | 112.36% | 78.68% | 93.37% | 100.54% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 38.86% | 10.69% | -9.27% | -21.99% | -23.98% | -6,283 bps | |
| Loan Growth (YoY) | 38.54% | 14.79% | -10.75% | -21.82% | -28.36% | -6,690 bps | |
| Share Growth (YoY) | 40.70% | 15.09% | -6.86% | -21.19% | -23.80% | -6,450 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.55% | 0.26% | 0.35% | 1.99% | +152 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 3.07% | 2.53% | 1.47% | 0.66% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 7.03% | 6.89% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 7.03% | 6.89% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.49% | 82.08% | 84.19% | 89.01% | 73.79% | -470 bps | |
| Liquid Assets / Assets | 14.69% | 15.15% | 12.55% | 10.82% | 24.27% | +958 bps | |