PackageTrendsPeer
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Big Sky Trades & Labor

East Helena, MT · Charter 7284

Q4 1997

$111KAssets
$77KLoans
$103KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -9.59%, down 1,386 bps year over year.
  • Asset quality: problem loans at 23.82% of loans (+2,247 bps YoY).
  • Funding: loans stand at 74.73% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

-9.59%-1,386 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.27%5.58%5.53%4.55%-9.59%-1,386 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a0.42%-2.59%-7.02%-24.59%n/a
Loan Growth (YoY)n/a21.02%-0.30%-7.52%-36.42%n/a
Share Growth (YoY)n/a-3.17%-7.01%-12.02%-16.69%n/a
Asset Quality
Delinquent Loans / Loans1.35%1.26%4.51%11.66%23.82%+2,247 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.34%3.36%3.40%2.41%22.83%+1,949 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares97.92%102.43%96.52%95.42%74.73%-2,319 bps
Liquid Assets / Assets12.43%14.20%18.74%18.08%32.96%+2,053 bps