St. Paul, MN · Charter 24667
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 | -0.10% | -3.28% | -3.19% | -8.42% | -8.19% | -809 bps | |
| Return on Equity | -1.34% | -48.31% | -49.28% | -378% | -1363% | -136,141 bps | |
| Net Interest Margin | 4.56% | 5.17% | 5.37% | 5.68% | 5.78% | +122 bps | |
| Efficiency Ratio | 99.18% | 98.18% | 100.41% | 103.61% | 108.25% | +908 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.51% | 3.99% | -2.75% | -6.67% | -13.25% | -2,076 bps | |
| Loan Growth (YoY) | 8.76% | 3.30% | 0.51% | -1.42% | -3.45% | -1,221 bps | |
| Share Growth (YoY) | 8.60% | 5.18% | -1.44% | -1.58% | -6.63% | -1,523 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 3.08% | 2.69% | 3.66% | 6.61% | +568 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.74% | 1.17% | 6.44% | 8.54% | +782 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.62% | 6.80% | 6.46% | 2.23% | 0.60% | -702 bps | |
| Net Worth / Assets | 7.62% | 6.80% | 6.46% | 2.23% | 0.60% | -702 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.89% | 83.23% | 89.09% | 88.18% | 88.82% | +293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |