Billings, MT · Charter 21239
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 1.27% | 0.04% | 0.54% | 0.74% | -47 bps | |
| Return on Equity | 10.16% | 10.59% | 0.35% | 4.50% | 5.89% | -427 bps | |
| Net Interest Margin | 2.79% | 2.72% | 2.57% | 2.86% | 3.00% | +21 bps | |
| Efficiency Ratio | 62.38% | 59.95% | 98.67% | 81.06% | 76.88% | +1,449 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.07% | 7.57% | 3.78% | 5.08% | 2.72% | -235 bps | |
| Loan Growth (YoY) | -3.11% | -4.72% | -9.86% | -8.95% | -9.50% | -638 bps | |
| Share Growth (YoY) | 4.82% | 6.52% | 2.79% | 4.14% | 2.24% | -257 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 1.17% | 2.54% | 3.17% | 3.63% | +235 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.33% | 0.13% | 0.18% | 0.18% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.95% | 12.04% | 11.91% | 11.92% | 12.58% | +63 bps | |
| Net Worth / Assets | 11.95% | 12.04% | 11.91% | 11.92% | 12.58% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.94% | 55.09% | 50.67% | 49.75% | 50.40% | -654 bps | |
| Liquid Assets / Assets | 44.33% | 29.16% | 36.49% | 32.63% | 36.52% | -781 bps | |