Great Falls, MT · Charter 5155
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.67% | 0.60% | 0.70% | 0.77% | +60 bps | |
| Return on Equity | 2.08% | 8.51% | 7.50% | 8.72% | 9.60% | +752 bps | |
| Net Interest Margin | 4.20% | 4.02% | 4.01% | 3.95% | 3.86% | -34 bps | |
| Efficiency Ratio | 86.21% | 83.95% | 84.13% | 83.24% | 82.86% | -335 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.22% | 2.71% | 2.85% | 5.85% | 9.61% | +983 bps | |
| Loan Growth (YoY) | 7.72% | 11.00% | 4.51% | 1.57% | -3.24% | -1,095 bps | |
| Share Growth (YoY) | -4.69% | 2.28% | 5.87% | 5.42% | 14.23% | +1,892 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.39% | 0.47% | 0.44% | 0.37% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.72% | 0.69% | 0.64% | 0.57% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.93% | 7.82% | 7.97% | 8.07% | 8.00% | +7 bps | |
| Net Worth / Assets | 7.93% | 7.82% | 7.97% | 8.07% | 8.00% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.07% | 93.25% | 92.63% | 90.53% | 84.77% | -1,530 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |