Fargo, ND · Charter 62409
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.26% | -0.17% | -0.17% | -0.69% | -0.76% | -50 bps | |
| Return on Equity | -2.69% | -1.68% | -1.54% | -6.57% | -7.48% | -479 bps | |
| Net Interest Margin | 2.08% | 2.08% | 2.32% | 1.61% | 1.51% | -57 bps | |
| Efficiency Ratio | 107.09% | 104.25% | 101.53% | 143.00% | 150.68% | +4,358 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.38% | -4.00% | -14.39% | -11.20% | -8.27% | -489 bps | |
| Loan Growth (YoY) | -17.54% | -7.90% | -18.15% | -27.08% | -29.27% | -1,173 bps | |
| Share Growth (YoY) | -3.39% | -4.35% | -15.70% | -11.99% | -8.62% | -523 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.07% | 0.06% | 0.07% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.21% | 0.49% | 0.39% | 0.33% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.75% | 9.85% | 11.08% | 10.56% | 10.23% | +48 bps | |
| Net Worth / Assets | 9.75% | 9.85% | 11.08% | 10.56% | 10.23% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.89% | 23.16% | 24.97% | 20.22% | 17.71% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |