Bottineau, ND · Charter 64295
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.48% | 0.07% | -3.16% | -1.85% | -0.70% | -218 bps | |
| Return on Equity | 15.97% | 0.86% | -40.36% | -23.97% | -8.54% | -2,451 bps | |
| Net Interest Margin | 3.45% | 2.03% | 3.18% | 3.32% | 3.20% | -25 bps | |
| Efficiency Ratio | 57.84% | 96.53% | 81.13% | 98.85% | 82.90% | +2,506 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.60% | -0.12% | -0.93% | -3.08% | -5.21% | -782 bps | |
| Loan Growth (YoY) | -0.87% | 34.50% | 71.76% | 31.86% | 2.15% | +302 bps | |
| Share Growth (YoY) | 4.04% | -0.22% | 0.00% | -1.75% | -4.23% | -827 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.73% | 6.06% | 7.71% | 5.61% | 4.94% | -179 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.79% | 0.79% | 0.78% | 0.86% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.26% | 8.37% | 7.82% | 7.71% | 8.15% | -111 bps | |
| Net Worth / Assets | 9.26% | 8.37% | 7.82% | 7.71% | 8.15% | -111 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.25% | 47.29% | 48.58% | 49.17% | 45.06% | +281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |