Bismarck, ND · Charter 60884
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 0.92% | 0.90% | 0.91% | 0.77% | -29 bps | |
| Return on Equity | 11.19% | 9.68% | 9.56% | 9.79% | 7.85% | -334 bps | |
| Net Interest Margin | 2.91% | 2.88% | 2.87% | 2.83% | 3.05% | +14 bps | |
| Efficiency Ratio | 77.72% | 79.72% | 80.33% | 78.96% | 83.09% | +537 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.84% | 18.60% | 14.88% | 14.58% | 5.68% | -616 bps | |
| Loan Growth (YoY) | 11.55% | 9.63% | 11.10% | 14.07% | 18.89% | +734 bps | |
| Share Growth (YoY) | 15.02% | 15.96% | 16.28% | 19.29% | 13.93% | -110 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.32% | 0.19% | 0.15% | 0.23% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.65% | 0.62% | 0.64% | 0.62% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.44% | 9.52% | 9.41% | 9.34% | 9.80% | +36 bps | |
| Net Worth / Assets | 9.44% | 9.52% | 9.41% | 9.34% | 9.80% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.84% | 72.86% | 72.22% | 71.28% | 72.88% | +304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |