Sunburst, MT · Charter 9393
Q2 1998
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.27% | 4.65% | 4.46% | 4.49% | 3.90% | -37 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 20.85% | 12.83% | 10.06% | 10.24% | 3.24% | -1,762 bps | |
| Loan Growth (YoY) | -10.77% | -6.71% | 3.74% | 0.57% | 20.88% | +3,165 bps | |
| Share Growth (YoY) | 25.88% | 13.25% | 9.44% | 8.80% | 0.38% | -2,550 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 35.45% | 13.68% | 14.03% | 4.42% | 5.21% | -3,024 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.65% | 2.05% | 2.15% | 2.01% | 2.33% | -32 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.45% | 82.07% | 84.88% | 78.75% | 82.43% | +1,398 bps | |
| Liquid Assets / Assets | 36.11% | 25.70% | 23.28% | 28.42% | 20.92% | -1,519 bps | |