Independnence, MO · Charter 24755
Q2 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | -0.03% | 0.30% | 0.09% | -0.03% | -26 bps | |
| Return on Equity | 2.59% | -0.38% | 3.55% | 1.15% | -0.48% | -308 bps | |
| Net Interest Margin | 5.28% | 5.42% | 5.05% | 4.53% | 4.21% | -107 bps | |
| Efficiency Ratio | 87.83% | 88.24% | 86.66% | 94.32% | 96.51% | +868 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.10% | 4.13% | 10.19% | 7.79% | 16.09% | +1,619 bps | |
| Loan Growth (YoY) | 5.90% | 7.22% | 5.44% | 1.69% | -2.05% | -795 bps | |
| Share Growth (YoY) | -0.36% | 4.30% | 10.80% | 8.21% | 19.08% | +1,944 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.06% | 1.84% | 2.22% | 2.49% | 3.29% | +123 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.19% | 1.08% | 0.95% | 0.64% | -47 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.72% | 8.70% | 8.36% | 8.14% | 6.33% | -239 bps | |
| Net Worth / Assets | 8.72% | 8.70% | 8.36% | 8.14% | 6.33% | -239 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.81% | 96.20% | 87.44% | 81.38% | 74.69% | -1,611 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |