Warm Springs, MT · Charter 63200
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.58% | -2.66% | -2.55% | -3.09% | -26.23% | -2,365 bps | |
| Return on Equity | -35.84% | -37.91% | -35.66% | -53.92% | n/a | n/a | |
| Net Interest Margin | 7.76% | 8.27% | 8.79% | 8.49% | 7.77% | 0 bps | |
| Efficiency Ratio | 122.33% | 120.69% | 116.86% | 106.57% | 100.11% | -2,222 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.80% | -7.08% | -20.98% | -19.61% | -14.03% | -1,323 bps | |
| Loan Growth (YoY) | 4.74% | -7.32% | -17.82% | -19.08% | -17.16% | -2,190 bps | |
| Share Growth (YoY) | -13.19% | -13.02% | -11.78% | -13.57% | 6.66% | +1,984 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.48% | 1.73% | 4.10% | 3.71% | 0.31% | -117 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.36% | 0.52% | 0.90% | 0.31% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.19% | 7.02% | 7.16% | 5.72% | -0.63% | -783 bps | |
| Net Worth / Assets | 7.19% | 7.02% | 7.16% | 5.72% | -0.63% | -783 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 114.61% | 110.79% | 103.79% | 113.78% | 89.02% | -2,559 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |