Bismarck, ND · Charter 8195
Q3 2003
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.32% | 0.04% | 0.17% | 0.13% | -38 bps | |
| Return on Equity | 3.52% | 2.33% | 0.34% | 1.44% | 1.10% | -242 bps | |
| Net Interest Margin | 2.83% | 2.55% | 2.19% | 2.18% | 2.28% | -55 bps | |
| Efficiency Ratio | 82.43% | 84.27% | 98.12% | 92.26% | 94.13% | +1,169 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 39.14% | 43.33% | 31.79% | 22.44% | 20.75% | -1,839 bps | |
| Loan Growth (YoY) | -2.75% | -8.67% | -11.26% | -6.09% | 9.45% | +1,220 bps | |
| Share Growth (YoY) | 51.63% | 51.96% | 37.43% | 25.90% | 24.42% | -2,721 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.70% | 1.43% | 1.74% | 0.61% | +24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.95% | 0.22% | 0.24% | 0.23% | 0.20% | -75 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.64% | 13.63% | 12.62% | 11.87% | 12.19% | -245 bps | |
| Net Worth / Assets | 14.64% | 13.63% | 12.62% | 11.87% | 12.19% | -245 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.76% | 70.42% | 61.57% | 61.20% | 71.04% | -971 bps | |
| Liquid Assets / Assets | 30.59% | 38.33% | 45.15% | 45.04% | 36.51% | +592 bps | |