Missoula, MT · Charter 63237
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.19% | 0.27% | 0.23% | 0.32% | -6 bps | |
| Return on Equity | 4.22% | 2.19% | 3.01% | 2.59% | 3.74% | -48 bps | |
| Net Interest Margin | 3.83% | 3.81% | 3.84% | 3.63% | 3.62% | -21 bps | |
| Efficiency Ratio | 83.90% | 87.58% | 85.73% | 86.53% | 84.70% | +80 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.15% | -0.88% | -0.59% | 6.50% | 7.64% | +1,179 bps | |
| Loan Growth (YoY) | -1.28% | 3.05% | 6.12% | 5.12% | 1.98% | +326 bps | |
| Share Growth (YoY) | -3.15% | -1.23% | -0.96% | 6.90% | 8.12% | +1,127 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 0.71% | 0.54% | 1.44% | 2.14% | +87 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.63% | 0.74% | 0.93% | 0.90% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.03% | 8.73% | 8.88% | 8.70% | 8.63% | -40 bps | |
| Net Worth / Assets | 9.03% | 8.73% | 8.88% | 8.70% | 8.63% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.30% | 78.03% | 78.47% | 75.88% | 75.74% | -456 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |