Turtle Lake, ND · Charter 64619
Q2 2002
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 2000 | Q2 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.00% | 0.39% | -2.45% | -1.59% | -281 bps | |
| Return on Equity | 12.96% | 12.14% | 5.72% | -36.17% | -23.71% | -3,667 bps | |
| Net Interest Margin | 4.71% | 3.72% | 2.86% | 2.32% | 2.38% | -233 bps | |
| Efficiency Ratio | 76.05% | 79.76% | 89.69% | 127.61% | 124.60% | +4,855 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.91% | 52.53% | 68.93% | 36.17% | 30.80% | +989 bps | |
| Loan Growth (YoY) | 35.27% | 34.27% | 19.90% | -11.42% | -18.42% | -5,368 bps | |
| Share Growth (YoY) | 19.93% | 54.69% | 74.12% | 39.75% | 35.14% | +1,520 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 3.17% | 1.46% | 1.08% | 0.61% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.65% | 0.56% | 1.28% | 1.15% | +50 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.43% | 8.22% | 6.85% | 6.77% | 6.69% | -274 bps | |
| Net Worth / Assets | 9.43% | 8.22% | 6.85% | 6.77% | 6.69% | -274 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 103.39% | 84.55% | 63.67% | 62.84% | 62.42% | -4,097 bps | |
| Liquid Assets / Assets | 1.91% | 19.03% | 37.38% | 38.13% | 38.63% | +3,672 bps | |