New Town, ND · Charter 64187
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.47% | 3.95% | 4.58% | 3.06% | -0.07% | -554 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.38% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 102.10% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 11.62% | 18.43% | 22.10% | 3.86% | -6.29% | -1,791 bps | |
| Loan Growth (YoY) | 1.51% | -9.79% | -33.86% | -40.89% | -55.52% | -5,703 bps | |
| Share Growth (YoY) | 11.88% | 20.21% | 23.11% | 4.13% | -7.96% | -1,984 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.62% | 14.75% | 15.82% | 23.13% | 0.00% | -562 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.54% | 2.40% | 6.39% | 7.58% | 7.15% | +362 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.37% | 41.18% | 29.07% | 28.82% | 22.90% | -2,448 bps | |
| Liquid Assets / Assets | 56.16% | 58.14% | 0.00% | 72.29% | 77.22% | +2,106 bps | |