Champaign, IL · Charter 60253
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 | -1.56% | -2.78% | -8.12% | -5.17% | -4.67% | -311 bps | |
| Return on Equity | -6.42% | -13.05% | -43.99% | -27.87% | -27.54% | -2,111 bps | |
| Net Interest Margin | 6.37% | 6.09% | 5.88% | 6.01% | 5.40% | -97 bps | |
| Efficiency Ratio | 88.94% | 93.23% | 86.46% | 83.61% | 95.52% | +657 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.00% | 13.34% | 8.16% | 6.34% | 12.13% | +113 bps | |
| Loan Growth (YoY) | 9.05% | 8.10% | 4.69% | -7.68% | -7.16% | -1,621 bps | |
| Share Growth (YoY) | 17.20% | 20.60% | 17.82% | 15.36% | 22.51% | +531 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.34% | 11.92% | 10.96% | 12.26% | 13.56% | +23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 1.92% | 3.00% | 3.46% | 2.95% | +120 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.24% | 21.30% | 18.46% | 18.55% | 16.95% | -729 bps | |
| Net Worth / Assets | 24.24% | 21.30% | 18.46% | 18.55% | 16.95% | -729 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 117.94% | 103.37% | 105.03% | 99.87% | 89.38% | -2,856 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |