Bloomington, IN · Charter 10827
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.99% | 0.91% | 1.00% | 0.90% | -6 bps | |
| Return on Equity | 7.88% | 7.87% | 7.65% | 8.32% | 7.50% | -38 bps | |
| Net Interest Margin | 2.82% | 2.85% | 2.69% | 2.70% | 2.69% | -13 bps | |
| Efficiency Ratio | 72.97% | 72.34% | 73.55% | 70.48% | 71.57% | -140 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.79% | 9.40% | 10.66% | 11.41% | 9.43% | +264 bps | |
| Loan Growth (YoY) | 22.42% | 20.01% | 15.83% | 7.16% | 2.12% | -2,030 bps | |
| Share Growth (YoY) | 6.30% | 9.47% | 11.22% | 12.19% | 9.80% | +351 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.58% | 0.62% | 0.72% | 0.69% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.38% | 0.40% | 0.43% | 0.45% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.18% | 12.56% | 11.85% | 12.00% | 12.04% | -13 bps | |
| Net Worth / Assets | 12.18% | 12.56% | 11.85% | 12.00% | 12.04% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.54% | 74.84% | 68.18% | 67.85% | 67.46% | -508 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |