College Station, AR · Charter 18583
Q3 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.75% | -0.14% | -1.75% | -2.92% | -2.45% | +30 bps | |
| Return on Equity | -25.16% | -1.08% | -17.68% | -33.23% | -29.17% | -401 bps | |
| Net Interest Margin | 2.54% | 2.12% | 2.08% | 1.08% | 0.84% | -170 bps | |
| Efficiency Ratio | 120.95% | 77.11% | 149.85% | 225% | 220% | +9,860 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.47% | -7.25% | -8.47% | -6.27% | 1.15% | +962 bps | |
| Loan Growth (YoY) | -41.39% | -32.75% | -34.12% | -22.49% | -24.36% | +1,703 bps | |
| Share Growth (YoY) | -3.97% | -8.60% | -3.42% | -4.25% | 3.85% | +781 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 26.75% | 22.30% | 24.36% | 24.04% | 30.33% | +357 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.65% | 8.70% | 12.12% | 14.85% | 18.10% | +646 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.92% | 13.01% | 9.92% | 8.78% | 8.38% | -253 bps | |
| Net Worth / Assets | 10.92% | 13.01% | 9.92% | 8.78% | 8.38% | -253 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.19% | 24.74% | 20.86% | 18.80% | 16.89% | -630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |