Yankton, SD · Charter 19375
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | -0.07% | -18.83% | -14.75% | -3.02% | -273 bps | |
| Return on Equity | -1.80% | -0.41% | -385% | -339% | -81.13% | -7,933 bps | |
| Net Interest Margin | 5.86% | 6.96% | 7.28% | 6.90% | 3.89% | -197 bps | |
| Efficiency Ratio | 104.30% | 101.00% | 117.87% | 127.01% | 169.84% | +6,554 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.36% | -3.24% | -20.40% | -13.74% | -16.00% | -1,736 bps | |
| Loan Growth (YoY) | 16.64% | -9.88% | -3.41% | -21.26% | -25.58% | -4,222 bps | |
| Share Growth (YoY) | 0.99% | -4.77% | -10.92% | -1.19% | -3.29% | -428 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 27.71% | 27.73% | 20.62% | 24.81% | 49.93% | +2,222 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.64% | 3.39% | 16.38% | 19.88% | 22.81% | +1,916 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.34% | 16.73% | 4.90% | 4.35% | 3.73% | -1,261 bps | |
| Net Worth / Assets | 16.34% | 16.73% | 4.90% | 4.35% | 3.73% | -1,261 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.21% | 106.96% | 108.33% | 89.92% | 80.97% | -2,425 bps | |
| Liquid Assets / Assets | 9.86% | 9.99% | 10.98% | 29.08% | 36.81% | +2,695 bps | |