Arkansas City, KS · Charter 60462
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.05% | -3.92% | -5.78% | -2.56% | -3.78% | -74 bps | |
| Return on Equity | -29.87% | -40.58% | -80.31% | -36.41% | -63.66% | -3,379 bps | |
| Net Interest Margin | 3.70% | 4.27% | 4.12% | 4.12% | 4.52% | +83 bps | |
| Efficiency Ratio | 111.40% | 123.89% | 124.76% | 103.06% | 110.20% | -120 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.41% | -6.35% | 1.60% | 5.01% | 1.15% | -226 bps | |
| Loan Growth (YoY) | 0.05% | 4.01% | 5.94% | 2.75% | 1.25% | +120 bps | |
| Share Growth (YoY) | 7.04% | -3.24% | 7.19% | 10.04% | 5.71% | -133 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 1.18% | 0.73% | 2.28% | 2.38% | +156 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.61% | 1.55% | 1.77% | 2.13% | +81 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.21% | 9.67% | 7.20% | 7.04% | 5.95% | -426 bps | |
| Net Worth / Assets | 10.21% | 9.67% | 7.20% | 7.04% | 5.95% | -426 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.26% | 88.54% | 74.36% | 69.13% | 75.91% | -334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |