Clinton, IA · Charter 60827
Q4 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | -0.19% | -0.70% | -0.31% | -0.72% | -82 bps | |
| Return on Equity | 1.31% | -2.59% | -9.36% | -3.89% | -9.12% | -1,043 bps | |
| Net Interest Margin | 3.12% | 2.58% | 2.74% | 3.12% | 3.34% | +21 bps | |
| Efficiency Ratio | 91.65% | 102.11% | 80.12% | 82.18% | 91.73% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.48% | 10.64% | 3.23% | 1.90% | -7.15% | -1,963 bps | |
| Loan Growth (YoY) | 5.12% | 3.92% | 0.68% | 1.56% | 4.31% | -82 bps | |
| Share Growth (YoY) | 13.65% | 11.69% | 3.82% | 2.36% | -7.13% | -2,078 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 1.10% | 1.11% | 0.85% | 0.66% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.34% | 0.42% | 0.36% | 0.36% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.95% | 7.53% | 7.49% | 8.06% | 7.85% | -10 bps | |
| Net Worth / Assets | 7.95% | 7.53% | 7.49% | 8.06% | 7.85% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.77% | 66.50% | 68.85% | 74.66% | 78.36% | +859 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |