Minneapolis, MN · Charter 61015
Q4 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.62% | -4.07% | -4.12% | -5.58% | -8.13% | -751 bps | |
| Return on Equity | -7.80% | -55.85% | -63.64% | -134.47% | -24021% | -2,401,336 bps | |
| Net Interest Margin | 5.93% | 4.32% | 4.54% | 4.55% | 4.51% | -142 bps | |
| Efficiency Ratio | 83.43% | 102.24% | 103.35% | 96.65% | 95.90% | +1,247 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.52% | -7.95% | -6.47% | 0.29% | -2.99% | +254 bps | |
| Loan Growth (YoY) | -14.08% | -12.94% | -9.21% | 0.38% | 7.23% | +2,130 bps | |
| Share Growth (YoY) | -4.81% | -1.48% | -0.02% | -9.88% | -17.98% | -1,318 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.96% | 10.02% | 8.69% | 6.78% | 6.25% | -71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.77% | 1.40% | 2.29% | 4.19% | +332 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.92% | 7.29% | 6.47% | 4.15% | 0.03% | -789 bps | |
| Net Worth / Assets | 7.92% | 7.29% | 6.47% | 4.15% | 0.03% | -789 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.80% | 97.17% | 98.67% | 116.48% | 122.64% | +2,883 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |