Fort Harrison, MT · Charter 495
Q2 2015
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.27% | 0.55% | 0.14% | -0.17% | -41 bps | |
| Return on Equity | 2.90% | 3.23% | 6.23% | 1.65% | -1.97% | -486 bps | |
| Net Interest Margin | 2.73% | 2.75% | 2.78% | 2.54% | 2.60% | -13 bps | |
| Efficiency Ratio | 94.15% | 93.32% | 95.80% | 96.18% | 104.56% | +1,042 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.28% | 1.90% | 0.25% | 1.64% | -2.09% | -436 bps | |
| Loan Growth (YoY) | 9.87% | 8.24% | 4.64% | 0.08% | -5.56% | -1,544 bps | |
| Share Growth (YoY) | 2.35% | 1.64% | -0.35% | 0.95% | -2.74% | -508 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.01% | 0.10% | 0.00% | 0.01% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.13% | 0.49% | 0.51% | 0.50% | -66 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.18% | 8.45% | 8.89% | 8.54% | 8.70% | +52 bps | |
| Net Worth / Assets | 8.18% | 8.45% | 8.89% | 8.54% | 8.70% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.74% | 62.16% | 61.19% | 56.91% | 57.03% | -171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |