Whitefish, MT · Charter 16700
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.35% | 0.97% | 0.95% | 0.94% | -4 bps | |
| Return on Equity | 8.95% | 12.40% | 8.67% | 8.47% | 8.33% | -62 bps | |
| Net Interest Margin | 3.79% | 3.80% | 3.86% | 3.81% | 3.79% | 0 bps | |
| Efficiency Ratio | 71.84% | 73.44% | 76.53% | 74.85% | 77.29% | +544 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.61% | 4.47% | 3.68% | 4.02% | 5.40% | -21 bps | |
| Loan Growth (YoY) | 3.54% | 4.20% | 1.87% | 0.97% | 2.48% | -107 bps | |
| Share Growth (YoY) | 1.99% | 0.86% | 0.20% | 3.70% | 5.44% | +344 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 0.79% | 0.92% | 1.42% | 1.08% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 1.19% | 1.23% | 1.18% | 0.96% | -29 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.90% | 10.93% | 11.19% | 11.21% | 11.28% | +38 bps | |
| Net Worth / Assets | 10.90% | 10.93% | 11.19% | 11.21% | 11.28% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.82% | 94.10% | 96.10% | 95.10% | 94.10% | -272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |