PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Big Sky Community

Libby, MT · Charter 63099

Q2 1996

$2.7MAssets
$1.7MLoans
$2.5MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 6.89%, up 203 bps year over year.
  • Asset quality: problem loans at 4.58% of loans (+45 bps YoY).
  • Funding: loans stand at 70.83% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

6.89%+203 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.87%4.33%5.53%5.71%6.89%+203 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a0.71%n/an/a
Loan Growth (YoY)n/an/an/an/a74.09%n/an/a
Share Growth (YoY)n/an/an/an/a-4.40%n/an/a
Asset Quality
Delinquent Loans / Loans4.13%4.99%4.21%4.41%4.58%+45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.80%2.19%2.81%2.38%1.85%-96 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares38.90%40.07%46.53%59.05%70.83%+3,193 bps
Liquid Assets / Assets2.14%5.61%2.27%-0.47%23.81%+2,167 bps