Bloomington, MN · Charter 24351
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 0.87% | -1.63% | 0.93% | 1.54% | +48 bps | |
| Return on Equity | 9.40% | 8.03% | -16.36% | 8.97% | 14.52% | +512 bps | |
| Net Interest Margin | 2.28% | 2.18% | 2.27% | 2.25% | 2.15% | -13 bps | |
| Efficiency Ratio | 59.16% | 60.45% | 80.57% | 56.56% | 47.16% | -1,201 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.43% | 10.49% | 10.73% | 16.27% | 20.61% | +1,419 bps | |
| Loan Growth (YoY) | 4.96% | -1.14% | -3.96% | -8.30% | -6.10% | -1,106 bps | |
| Share Growth (YoY) | 7.52% | 13.49% | 15.03% | 19.50% | 22.41% | +1,490 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 1.14% | 1.10% | 1.58% | 1.76% | +88 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.92% | 0.94% | 0.92% | 1.00% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.29% | 10.87% | 9.94% | 10.40% | 10.62% | -67 bps | |
| Net Worth / Assets | 11.29% | 10.87% | 9.94% | 10.40% | 10.62% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.06% | 54.36% | 49.86% | 47.72% | 45.31% | -1,376 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |