Helena, MT · Charter 9809
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Helena, MT · Charter 9809
Q4 2015
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.63% | 0.58% | 0.64% | 0.42% | +9 bps | |
| Return on Equity | 4.03% | 7.74% | 7.07% | 7.67% | 5.22% | +119 bps | |
| Net Interest Margin | 3.41% | 3.36% | 3.38% | 3.44% | 3.39% | -2 bps | |
| Efficiency Ratio | 85.78% | 80.95% | 84.48% | 83.56% | 87.51% | +173 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.79% | 4.24% | 3.69% | 5.09% | 6.70% | +91 bps | |
| Loan Growth (YoY) | 4.04% | 6.94% | 5.24% | 9.08% | 10.40% | +636 bps | |
| Share Growth (YoY) | 5.90% | 5.15% | 2.69% | 5.51% | 6.63% | +73 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.40% | 0.78% | 1.01% | 1.14% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.38% | 0.52% | 0.44% | 0.46% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.14% | 8.13% | 8.21% | 8.36% | 8.04% | -10 bps | |
| Net Worth / Assets | 8.14% | 8.13% | 8.21% | 8.36% | 8.04% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.09% | 66.41% | 68.93% | 70.94% | 68.42% | +234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |