Ashland, MT · Charter 16839
Q2 2008
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.12% | 2.51% | 0.01% | 1.62% | 0.33% | -180 bps | |
| Return on Equity | 21.08% | 20.27% | 0.06% | 15.29% | 2.76% | -1,832 bps | |
| Net Interest Margin | 4.22% | 4.89% | 3.19% | 3.62% | 3.34% | -88 bps | |
| Efficiency Ratio | 49.79% | 48.73% | 99.81% | 55.24% | 90.18% | +4,039 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.07% | -9.31% | -7.50% | -9.80% | -23.04% | -3,611 bps | |
| Loan Growth (YoY) | 7.46% | 3.88% | -6.43% | -8.43% | -20.55% | -2,802 bps | |
| Share Growth (YoY) | 14.51% | -10.74% | -8.30% | -10.69% | -24.58% | -3,909 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.76% | 3.38% | 3.61% | 8.18% | 2.35% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.26% | 2.57% | 3.61% | 4.26% | 3.50% | +125 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.08% | 12.40% | 10.41% | 10.61% | 11.88% | +180 bps | |
| Net Worth / Assets | 10.08% | 12.40% | 10.41% | 10.61% | 11.88% | +180 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.15% | 41.10% | 38.97% | 32.41% | 41.24% | +209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |