Siloam Spring, AR · Charter 22995
Q2 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.10% | -0.63% | 0.13% | 1.37% | -8.69% | -759 bps | |
| Return on Equity | -2.38% | -1.37% | 0.25% | 2.44% | -11.93% | -956 bps | |
| Net Interest Margin | 3.74% | 3.82% | 4.20% | 4.47% | -5.68% | -943 bps | |
| Efficiency Ratio | 128.67% | 116.06% | 97.05% | 23.33% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -17.72% | -11.29% | -10.06% | -17.03% | -39.11% | -2,138 bps | |
| Loan Growth (YoY) | -29.99% | -28.50% | -30.58% | -43.75% | -45.17% | -1,518 bps | |
| Share Growth (YoY) | -27.48% | -17.49% | -19.45% | -34.61% | -71.65% | -4,417 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.46% | 5.37% | 5.80% | 10.91% | 12.02% | +856 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.11% | 3.32% | 3.79% | 4.90% | 5.68% | +257 bps | |
| Capital | |||||||
| Risk-Based Capital | 46.47% | 46.34% | 50.92% | 56.03% | 72.84% | +2,638 bps | |
| Net Worth / Assets | 46.47% | 46.34% | 50.92% | 56.03% | 72.84% | +2,638 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.54% | 55.66% | 58.61% | 56.06% | 115.13% | +5,560 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |