Billings, MT · Charter 63198
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.13% | -3.70% | -7.16% | -8.20% | -845 bps | |
| Return on Equity | 2.59% | 1.35% | -45.73% | -121.84% | -201% | -20,361 bps | |
| Net Interest Margin | 4.19% | 3.72% | 3.86% | 4.45% | 4.90% | +71 bps | |
| Efficiency Ratio | 77.49% | 77.87% | 79.62% | 80.56% | 79.60% | +211 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.50% | 15.83% | 6.66% | -5.01% | -19.47% | -4,297 bps | |
| Loan Growth (YoY) | 14.26% | 0.27% | -10.02% | -14.72% | -15.87% | -3,013 bps | |
| Share Growth (YoY) | 33.64% | 18.59% | 9.70% | -3.97% | -18.12% | -5,176 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.16% | 8.03% | 7.07% | 4.03% | 2.25% | -590 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.16% | 0.70% | 2.44% | 3.82% | +342 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.88% | 9.92% | 8.08% | 5.88% | 4.08% | -581 bps | |
| Net Worth / Assets | 9.88% | 9.92% | 8.08% | 5.88% | 4.08% | -581 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.61% | 83.25% | 78.41% | 86.24% | 86.93% | +232 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |