Bismarck, ND · Charter 62384
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | -0.29% | -0.43% | -0.36% | -0.53% | -24 bps | |
| Return on Equity | -3.66% | -3.55% | -5.42% | -4.54% | -6.62% | -296 bps | |
| Net Interest Margin | 1.72% | 1.78% | 1.66% | 1.67% | 1.75% | +3 bps | |
| Efficiency Ratio | 112.72% | 112.11% | 116.65% | 113.61% | 120.73% | +801 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.10% | 4.19% | 1.58% | -1.73% | -5.70% | -1,380 bps | |
| Loan Growth (YoY) | 0.89% | 1.43% | -2.83% | -3.15% | -6.47% | -736 bps | |
| Share Growth (YoY) | 9.24% | 4.74% | 2.14% | -1.55% | -5.89% | -1,513 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.45% | 0.73% | 0.97% | 1.09% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.24% | 0.31% | 0.37% | 0.39% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.01% | 8.09% | 7.85% | 8.01% | 8.03% | +2 bps | |
| Net Worth / Assets | 8.01% | 8.09% | 7.85% | 8.01% | 8.03% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.67% | 32.64% | 31.00% | 32.04% | 32.47% | -20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |