Coleraine, MN · Charter 63139
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.01% | 2.51% | 2.81% | 0.21% | 0.41% | -260 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.97% | 6.56% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 96.48% | 93.79% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.70% | -3.15% | -1.76% | -6.99% | -12.49% | -879 bps | |
| Loan Growth (YoY) | -13.92% | -15.64% | -23.84% | -30.37% | -29.31% | -1,538 bps | |
| Share Growth (YoY) | -5.72% | -5.26% | -3.21% | -9.48% | -16.16% | -1,044 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 0.53% | 0.47% | 2.90% | 0.32% | -95 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 0.50% | 0.53% | 0.58% | 0.63% | -61 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.51% | 86.57% | 87.24% | 83.03% | 81.38% | -1,514 bps | |
| Liquid Assets / Assets | 15.77% | 22.50% | 27.62% | 33.57% | 28.89% | +1,312 bps | |