Great Falls, MT · Charter 8362
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Great Falls, MT · Charter 8362
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 | 3.76% | 2.08% | 1.34% | -0.72% | -3.39% | -715 bps | |
| Return on Equity | 73.97% | 36.92% | 24.40% | -19.67% | -114.49% | -18,846 bps | |
| Net Interest Margin | 5.29% | 5.06% | 4.74% | 4.53% | 2.77% | -252 bps | |
| Efficiency Ratio | 94.64% | 103.79% | 108.49% | 112.19% | 168.85% | +7,420 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.13% | -18.55% | -13.83% | -6.53% | -7.53% | +760 bps | |
| Loan Growth (YoY) | -24.37% | -25.88% | -23.90% | -21.77% | -18.06% | +631 bps | |
| Share Growth (YoY) | -2.27% | -15.05% | -8.17% | -6.14% | -5.31% | -304 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.78% | 6.14% | 6.01% | 4.54% | 20.60% | +1,282 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.43% | 0.15% | 1.02% | 1.24% | +49 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.08% | 5.63% | 5.51% | 3.65% | 2.96% | -212 bps | |
| Net Worth / Assets | 5.08% | 5.63% | 5.51% | 3.65% | 2.96% | -212 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.36% | 90.23% | 87.05% | 78.73% | 76.46% | -1,190 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |