Evansville, IN · Charter 20486
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 | -0.44% | -0.21% | -0.05% | -3.17% | -0.15% | +29 bps | |
| Return on Equity | -6.58% | -3.18% | -0.64% | -55.80% | -2.33% | +425 bps | |
| Net Interest Margin | 3.46% | 3.59% | 4.01% | 3.42% | 3.57% | +11 bps | |
| Efficiency Ratio | 114.54% | 106.53% | 101.79% | 99.46% | 76.40% | -3,814 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.66% | 8.40% | 21.09% | 11.55% | 4.40% | -226 bps | |
| Loan Growth (YoY) | -5.91% | -0.50% | 2.26% | 6.74% | 8.00% | +1,391 bps | |
| Share Growth (YoY) | 7.61% | 7.88% | 23.29% | 13.06% | 4.48% | -313 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.81% | 1.06% | 1.54% | 0.99% | 1.74% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.34% | 0.37% | 0.42% | 0.46% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.66% | 6.61% | 7.41% | 5.69% | 6.47% | -19 bps | |
| Net Worth / Assets | 6.66% | 6.61% | 7.41% | 5.69% | 6.47% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.90% | 69.41% | 76.85% | 65.10% | 67.09% | +219 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |