St.paul, MN · Charter 5299
Q3 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | -0.58% | 0.55% | 0.35% | 0.17% | +4 bps | |
| Return on Equity | 1.10% | -5.14% | 5.55% | 3.40% | 1.66% | +56 bps | |
| Net Interest Margin | 3.55% | 3.45% | 2.61% | 2.77% | 2.88% | -67 bps | |
| Efficiency Ratio | 83.57% | 85.06% | 86.09% | 91.96% | 90.74% | +717 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.55% | 1.43% | 18.22% | 12.10% | 11.48% | +1,304 bps | |
| Loan Growth (YoY) | -9.67% | -7.28% | -0.02% | 2.19% | 0.81% | +1,048 bps | |
| Share Growth (YoY) | 1.96% | 6.69% | 27.47% | 19.79% | 17.81% | +1,584 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.08% | 1.10% | 1.21% | 2.25% | 3.11% | +103 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.52% | 0.51% | 0.40% | 0.43% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.28% | 11.20% | 9.83% | 10.23% | 10.52% | -176 bps | |
| Net Worth / Assets | 12.28% | 11.20% | 9.83% | 10.23% | 10.52% | -176 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.52% | 97.29% | 80.83% | 84.74% | 87.73% | -1,479 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |