Wheeling, WV · Charter 21983
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wheeling, WV · Charter 21983
Q4 2008
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.80% | 0.61% | 0.50% | 0.51% | +16 bps | |
| Return on Equity | 2.69% | 5.97% | 4.96% | 4.36% | 4.69% | +200 bps | |
| Net Interest Margin | 3.00% | 4.71% | 3.76% | 2.96% | 2.89% | -11 bps | |
| Efficiency Ratio | 94.02% | 86.99% | 88.46% | 89.08% | 88.63% | -539 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.42% | -15.95% | -12.57% | 1.49% | 26.37% | +3,779 bps | |
| Loan Growth (YoY) | -8.18% | -11.12% | -10.31% | 5.45% | 19.83% | +2,801 bps | |
| Share Growth (YoY) | -32.30% | -25.20% | -18.72% | -8.18% | 40.17% | +7,247 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.59% | 0.35% | 0.92% | 1.11% | +62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.24% | 0.21% | 0.20% | 0.19% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.01% | 13.45% | 12.20% | 11.57% | 10.80% | -221 bps | |
| Net Worth / Assets | 13.01% | 13.45% | 12.20% | 11.57% | 10.80% | -221 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 144.26% | 119.41% | 119.85% | 119.83% | 123.32% | -2,093 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |