Fargo, ND · Charter 64384
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Fargo, ND · Charter 64384
Q2 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.94% | 4.87% | 5.71% | 3.13% | 4.25% | -169 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -12.91% | -9.41% | 0.50% | 8.85% | 25.51% | +3,842 bps | |
| Loan Growth (YoY) | -16.77% | -27.60% | -26.59% | -15.36% | -15.13% | +164 bps | |
| Share Growth (YoY) | -16.09% | -9.97% | 1.33% | 12.05% | 32.07% | +4,815 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.10% | 3.70% | 3.12% | 0.00% | 0.00% | -610 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.56% | 2.94% | 2.79% | 2.89% | 3.01% | +46 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 | 73.86% | 61.46% | 62.56% | 57.40% | 47.47% | -2,640 bps | |
| Liquid Assets / Assets | 34.48% | 48.89% | 44.84% | 47.28% | 54.71% | +2,023 bps | |