Bethalto, IL · Charter 13093
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.66% | -1.77% | 1.35% | -0.09% | -0.91% | -25 bps | |
| Return on Equity | -7.52% | -20.82% | 16.41% | -1.14% | -12.04% | -452 bps | |
| Net Interest Margin | 4.18% | 4.11% | 3.13% | 3.10% | 3.11% | -107 bps | |
| Efficiency Ratio | 115.90% | 143.44% | 119.93% | 135.28% | 151.20% | +3,530 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.39% | -5.66% | -0.97% | -4.62% | -9.96% | -1,335 bps | |
| Loan Growth (YoY) | 14.91% | -29.24% | -47.89% | -50.34% | -53.10% | -6,801 bps | |
| Share Growth (YoY) | 5.07% | -4.20% | 0.84% | -3.13% | -8.74% | -1,381 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 0.66% | 0.02% | 0.00% | 0.00% | -137 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.87% | 0.06% | 0.06% | 0.07% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.83% | 8.48% | 8.22% | 8.03% | 7.59% | -124 bps | |
| Net Worth / Assets | 8.83% | 8.48% | 8.22% | 8.03% | 7.59% | -124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.00% | 67.12% | 53.00% | 48.98% | 42.66% | -4,035 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |