Billings, MT · Charter 62651
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.61% | 0.72% | 0.54% | 0.28% | -40 bps | |
| Return on Equity | 6.75% | 5.85% | 6.56% | 4.81% | 2.35% | -440 bps | |
| Net Interest Margin | 1.42% | 1.26% | 1.32% | 1.59% | 1.31% | -11 bps | |
| Efficiency Ratio | 52.08% | 52.03% | 46.22% | 66.15% | 61.19% | +911 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.41% | -1.16% | -4.55% | -5.27% | -11.49% | -1,590 bps | |
| Loan Growth (YoY) | -25.21% | -17.55% | -11.75% | -8.05% | -7.09% | +1,812 bps | |
| Share Growth (YoY) | 4.11% | -1.94% | -5.80% | -6.50% | -13.31% | -1,742 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.48% | 3.50% | 4.51% | 4.02% | 0.58% | -389 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.19% | 2.93% | 3.23% | 3.53% | 1.68% | -150 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.14% | 10.43% | 10.92% | 11.31% | 11.98% | +185 bps | |
| Net Worth / Assets | 10.14% | 10.43% | 10.92% | 11.31% | 11.98% | +185 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.02% | 15.79% | 14.95% | 14.28% | 15.02% | +101 bps | |
| Liquid Assets / Assets | 34.14% | 38.71% | 36.06% | 37.75% | 40.69% | +655 bps | |