Hazen, ND · Charter 67007
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.18% | 1.25% | 1.04% | 0.90% | -15 bps | |
| Return on Equity | 12.18% | 13.24% | 14.45% | 12.62% | 17.31% | +513 bps | |
| Net Interest Margin | 3.96% | 3.98% | 3.77% | 3.50% | 3.62% | -34 bps | |
| Efficiency Ratio | 80.41% | 79.00% | 76.61% | 79.58% | 83.26% | +285 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.86% | 10.04% | 19.49% | 26.91% | 16.34% | +548 bps | |
| Loan Growth (YoY) | 7.16% | 8.32% | 8.96% | 7.85% | 12.44% | +528 bps | |
| Share Growth (YoY) | 10.37% | 9.18% | 19.73% | 27.90% | 20.29% | +992 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.16% | 0.16% | 0.14% | 0.56% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.75% | 0.72% | 0.73% | 0.69% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.64% | 8.90% | 8.68% | 8.21% | 5.20% | -344 bps | |
| Net Worth / Assets | 8.64% | 8.90% | 8.68% | 8.21% | 5.20% | -344 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.94% | 74.98% | 70.88% | 64.91% | 66.31% | -463 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |