Nederland, TX · Charter 24241
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.23% | -1.48% | -0.46% | 0.62% | +28 bps | |
| Return on Equity | 1.80% | 1.24% | -8.16% | -2.62% | 3.40% | +160 bps | |
| Net Interest Margin | 5.07% | 4.98% | 5.17% | 5.03% | 4.85% | -22 bps | |
| Efficiency Ratio | 92.15% | 92.24% | 76.59% | 99.18% | 74.97% | -1,718 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.84% | 15.01% | 10.80% | 15.07% | 8.38% | +254 bps | |
| Loan Growth (YoY) | -3.55% | -3.03% | -2.16% | -1.46% | -7.11% | -355 bps | |
| Share Growth (YoY) | 6.47% | 18.63% | 13.46% | 18.88% | 9.69% | +322 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.84% | 0.88% | 1.06% | 0.70% | +24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.56% | 0.64% | 0.42% | 0.40% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.87% | 18.65% | 18.08% | 17.70% | 18.20% | -67 bps | |
| Net Worth / Assets | 18.87% | 18.65% | 18.08% | 17.70% | 18.20% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.36% | 80.26% | 74.51% | 73.95% | 71.44% | -1,291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |