Helena, MT · Charter 63266
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.73% | 0.74% | 1.39% | 1.35% | +64 bps | |
| Return on Equity | 8.53% | 8.51% | 8.62% | 15.41% | 14.14% | +561 bps | |
| Net Interest Margin | 3.50% | 3.62% | 3.65% | 4.28% | 4.50% | +100 bps | |
| Efficiency Ratio | 80.13% | 80.19% | 79.59% | 66.70% | 69.56% | -1,057 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.11% | 12.35% | 8.63% | 5.32% | -2.57% | -1,868 bps | |
| Loan Growth (YoY) | 2.00% | 2.73% | 13.17% | 9.13% | 9.51% | +751 bps | |
| Share Growth (YoY) | 16.11% | 10.64% | 6.50% | 2.77% | -5.47% | -2,158 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.64% | 0.03% | 0.00% | 0.19% | -50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.60% | 0.63% | 0.75% | 0.91% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.24% | 8.54% | 8.54% | 9.02% | 9.53% | +129 bps | |
| Net Worth / Assets | 8.24% | 8.54% | 8.54% | 9.02% | 9.53% | +129 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.75% | 67.56% | 68.90% | 68.73% | 70.38% | +963 bps | |
| Liquid Assets / Assets | 37.16% | 34.60% | 33.76% | 25.88% | 32.48% | -467 bps | |