East St Louis, IL · Charter 60178
Q4 2005
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | 0.93% | 1.04% | 1.41% | -32.24% | -3,214 bps | |
| Return on Equity | -0.61% | 5.49% | 5.79% | 4.42% | -250% | -24,912 bps | |
| Net Interest Margin | 3.63% | 4.38% | 4.71% | 7.71% | -8.03% | -1,166 bps | |
| Efficiency Ratio | 102.83% | 78.83% | 77.86% | 81.68% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.53% | 3.30% | -2.81% | -45.26% | -62.47% | -5,993 bps | |
| Loan Growth (YoY) | 1.01% | 1.08% | 5.42% | -46.31% | -90.89% | -9,190 bps | |
| Share Growth (YoY) | -3.08% | 3.74% | -3.83% | -55.15% | -60.57% | -5,749 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.69% | 10.10% | 8.82% | 16.76% | 40.23% | +3,153 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.19% | 7.03% | 6.27% | 11.92% | 100.00% | +9,381 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.95% | 16.92% | 18.01% | 31.99% | 12.91% | -404 bps | |
| Net Worth / Assets | 16.95% | 16.92% | 18.01% | 31.99% | 12.91% | -404 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.07% | 38.18% | 45.43% | 51.08% | 10.19% | -3,388 bps | |
| Liquid Assets / Assets | 62.54% | 67.22% | 61.93% | 64.26% | 95.10% | +3,256 bps | |