Sioux Falls, SD · Charter 5334
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.90% | 3.91% | 2.81% | 0.12% | 0.55% | -335 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.03% | 4.36% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 79.33% | 78.23% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.53% | 5.31% | 9.25% | 5.14% | 3.12% | +59 bps | |
| Loan Growth (YoY) | -0.12% | -1.75% | -3.63% | -2.67% | -1.21% | -109 bps | |
| Share Growth (YoY) | -0.77% | 3.39% | 8.71% | 4.57% | 3.75% | +452 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.30% | 4.11% | 2.92% | 4.02% | 3.11% | -19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 1.07% | 0.81% | 0.80% | 0.82% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.86% | 84.98% | 81.07% | 83.70% | 83.65% | -420 bps | |
| Liquid Assets / Assets | 18.04% | 20.51% | 24.26% | 12.07% | 12.06% | -598 bps | |