Minot, ND · Charter 64687
Q2 2005
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.09% | 3.10% | 0.00% | 6.56% | 0.00% | -309 bps | |
| Return on Equity | 14.36% | 13.38% | 0.00% | 21.83% | 0.00% | -1,436 bps | |
| Net Interest Margin | 3.27% | 2.95% | 1.09% | 5.57% | 2.18% | -109 bps | |
| Efficiency Ratio | 5.68% | 9.78% | 100.00% | 0.00% | 100.00% | +9,432 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.71% | 0.29% | -20.65% | -17.41% | -18.96% | -2,067 bps | |
| Loan Growth (YoY) | -20.22% | -0.86% | 10.57% | -8.20% | 22.24% | +4,246 bps | |
| Share Growth (YoY) | 2.67% | -1.45% | -24.14% | -28.55% | -24.39% | -2,706 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 19.49% | 0.00% | 0.00% | 0.00% | 0.00% | -1,949 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 18.87% | 13.90% | 15.43% | 20.55% | 15.43% | -343 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.48% | 23.14% | 25.15% | 30.06% | 25.15% | +366 bps | |
| Net Worth / Assets | 21.48% | 23.14% | 25.15% | 30.06% | 25.15% | +366 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.36% | 64.82% | 74.95% | 59.55% | 74.95% | +2,859 bps | |
| Liquid Assets / Assets | 69.62% | 34.71% | 52.80% | 66.44% | 52.80% | -1,682 bps | |