Peterson, MN · Charter 16961
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.12% | 2.36% | 1.90% | 1.85% | -12.41% | -1,453 bps | |
| Return on Equity | 11.64% | 12.34% | 10.21% | 9.61% | -194.26% | -20,590 bps | |
| Net Interest Margin | 4.00% | 4.10% | 3.56% | 3.58% | 1.55% | -244 bps | |
| Efficiency Ratio | 46.19% | 45.31% | 49.40% | 50.94% | 228% | +18,152 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.77% | 1.32% | 8.25% | 4.81% | -2.95% | -872 bps | |
| Loan Growth (YoY) | -7.42% | -12.01% | -12.01% | -9.68% | -12.36% | -494 bps | |
| Share Growth (YoY) | 4.27% | -1.03% | 7.57% | 3.53% | 8.52% | +425 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.70% | 1.43% | 1.96% | 1.23% | 0.62% | -108 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.35% | 2.53% | 2.57% | 2.68% | 24.66% | +2,231 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.24% | 19.12% | 18.62% | 19.27% | 6.39% | -1,185 bps | |
| Net Worth / Assets | 18.24% | 19.12% | 18.62% | 19.27% | 6.39% | -1,185 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.74% | 60.40% | 58.17% | 57.02% | 50.67% | -1,207 bps | |
| Liquid Assets / Assets | 40.76% | 41.24% | 45.00% | 44.49% | 56.96% | +1,619 bps | |