Belpre, OH · Charter 15182
Q2 2009
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.76% | -1.34% | 0.49% | 6.20% | -89.65% | -8,590 bps | |
| Return on Equity | -29.48% | -7.20% | 2.52% | n/a | n/a | n/a | |
| Net Interest Margin | 5.30% | 8.44% | 9.76% | 12.90% | 11.30% | +601 bps | |
| Efficiency Ratio | 78.39% | 63.88% | 60.41% | 51.94% | 53.46% | -2,493 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.26% | -25.23% | -29.76% | -61.74% | -62.86% | -6,911 bps | |
| Loan Growth (YoY) | 17.45% | 15.89% | 15.32% | -12.19% | -22.20% | -3,965 bps | |
| Share Growth (YoY) | 8.62% | -28.73% | -32.65% | -52.12% | -60.10% | -6,872 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 3.27% | 34.23% | 75.47% | +7,547 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.62% | 3.57% | 3.67% | 37.81% | 41.41% | +3,779 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.74% | 18.62% | 19.27% | -5.46% | -4.25% | -1,700 bps | |
| Net Worth / Assets | 12.74% | 18.62% | 19.27% | -5.46% | -4.25% | -1,700 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.82% | 103.61% | 114.15% | 134.11% | 138.07% | +6,725 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |