Helena, MT · Charter 8096
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.48% | -1.33% | -0.24% | 0.05% | -59 bps | |
| Return on Equity | 5.47% | 4.37% | -12.03% | -2.09% | 0.37% | -510 bps | |
| Net Interest Margin | 4.67% | 4.54% | 4.84% | 4.83% | 4.98% | +31 bps | |
| Efficiency Ratio | 77.20% | 76.72% | 73.20% | 68.54% | 68.35% | -885 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.96% | 11.01% | 6.89% | 6.47% | -4.14% | -710 bps | |
| Loan Growth (YoY) | 26.44% | 16.16% | -1.69% | -3.89% | -13.34% | -3,979 bps | |
| Share Growth (YoY) | 3.18% | 12.47% | 8.27% | 7.64% | -4.47% | -765 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 0.83% | 1.03% | 1.54% | 2.22% | +115 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.30% | 0.80% | 0.80% | 0.80% | +49 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.59% | 11.06% | 11.08% | 11.53% | 12.18% | +59 bps | |
| Net Worth / Assets | 11.59% | 11.06% | 11.08% | 11.53% | 12.18% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.83% | 76.02% | 72.84% | 73.40% | 74.24% | -760 bps | |
| Liquid Assets / Assets | 19.88% | 22.54% | 27.72% | 29.80% | 25.47% | +559 bps | |