Munster, IN · Charter 21135
Q4 2009
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.91% | -3.77% | -1.79% | -1.69% | -2.02% | +89 bps | |
| Return on Equity | -37.71% | -60.43% | -28.74% | -28.68% | -38.75% | -104 bps | |
| Net Interest Margin | 4.42% | 3.81% | 3.90% | 3.97% | 3.92% | -50 bps | |
| Efficiency Ratio | 108.94% | 160.77% | 101.95% | 109.02% | 111.73% | +280 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.68% | 9.24% | 4.62% | 6.07% | 6.51% | +583 bps | |
| Loan Growth (YoY) | -6.44% | -2.05% | -4.85% | -11.10% | -16.10% | -967 bps | |
| Share Growth (YoY) | 4.19% | 12.14% | 7.10% | 9.48% | 9.68% | +549 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.98% | 5.01% | 6.71% | 6.99% | 4.34% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.15% | 2.57% | 2.65% | 3.48% | +232 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.71% | 6.24% | 6.21% | 5.91% | 5.22% | -249 bps | |
| Net Worth / Assets | 7.71% | 6.24% | 6.21% | 5.91% | 5.22% | -249 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.47% | 63.77% | 60.77% | 57.54% | 53.14% | -1,633 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |