Billings, MT · Charter 63324
Q3 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 0.86% | 0.39% | 0.25% | 0.28% | -80 bps | |
| Return on Equity | 9.78% | 8.17% | 3.57% | 2.38% | 2.59% | -719 bps | |
| Net Interest Margin | 4.75% | 4.36% | 4.04% | 3.76% | 3.88% | -87 bps | |
| Efficiency Ratio | 71.40% | 73.88% | 79.45% | 82.56% | 83.17% | +1,176 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.93% | 11.56% | 11.33% | 8.09% | 4.68% | -1,226 bps | |
| Loan Growth (YoY) | -3.71% | -8.37% | -8.97% | -0.65% | -4.35% | -65 bps | |
| Share Growth (YoY) | 16.44% | 11.38% | 12.12% | 8.71% | 5.10% | -1,134 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.19% | 7.59% | 6.31% | 4.15% | 1.79% | +60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.92% | 3.14% | 3.26% | 2.92% | 2.52% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.10% | 10.53% | 10.81% | 10.42% | 10.91% | -19 bps | |
| Net Worth / Assets | 11.10% | 10.53% | 10.81% | 10.42% | 10.91% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.57% | 83.75% | 82.20% | 83.13% | 82.43% | -814 bps | |
| Liquid Assets / Assets | 19.33% | 19.74% | 26.60% | 25.49% | 25.65% | +633 bps | |