Fishers, IN · Charter 12623
Q4 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.27% | -0.95% | -0.83% | -0.74% | -130 bps | |
| Return on Equity | 2.01% | 1.02% | -3.74% | -3.21% | -2.66% | -467 bps | |
| Net Interest Margin | 4.68% | 4.30% | 4.02% | 4.22% | 4.65% | -3 bps | |
| Efficiency Ratio | 83.69% | 93.64% | 92.22% | 90.94% | 91.85% | +816 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.06% | 0.83% | 0.01% | 0.92% | -2.63% | -57 bps | |
| Loan Growth (YoY) | -1.12% | -2.31% | -3.76% | -4.65% | -8.51% | -739 bps | |
| Share Growth (YoY) | -3.61% | 0.52% | 0.25% | 2.13% | -2.52% | +108 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.79% | 2.61% | 1.74% | 1.17% | 1.55% | -124 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.32% | 0.76% | 0.94% | 0.96% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.89% | 26.02% | 25.30% | 25.76% | 27.92% | +3 bps | |
| Net Worth / Assets | 27.89% | 26.02% | 25.30% | 25.76% | 27.92% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.62% | 86.77% | 84.48% | 87.85% | 95.38% | -624 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |