Mills, WY · Charter 6842
Q4 2006
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | -0.96% | -0.81% | -1.02% | 0.11% | 0 bps | |
| Return on Equity | 0.92% | -8.54% | -7.03% | -9.54% | 0.99% | +7 bps | |
| Net Interest Margin | 4.14% | 3.65% | 3.90% | 3.77% | 4.03% | -11 bps | |
| Efficiency Ratio | 97.58% | 111.96% | 110.59% | 108.93% | 97.58% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.00% | -3.38% | -3.86% | 2.92% | 2.77% | +477 bps | |
| Loan Growth (YoY) | 13.32% | 12.66% | 7.79% | 11.23% | 10.32% | -300 bps | |
| Share Growth (YoY) | -4.87% | -3.89% | -4.49% | 0.23% | 0.94% | +581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 1.05% | 0.62% | 0.14% | 0.60% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.07% | 0.10% | 0.50% | 0.52% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.86% | 11.21% | 11.46% | 10.65% | 10.74% | -112 bps | |
| Net Worth / Assets | 11.86% | 11.21% | 11.46% | 10.65% | 10.74% | -112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.67% | 80.02% | 90.26% | 95.25% | 94.72% | +805 bps | |
| Liquid Assets / Assets | 14.43% | 18.66% | 0.00% | 0.00% | 0.00% | -1,443 bps | |