Louisville, KY · Charter 62485
Q3 2008
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.52% | 0.05% | 0.12% | -0.25% | -62 bps | |
| Return on Equity | 2.59% | 3.46% | 0.35% | 0.82% | -2.33% | -491 bps | |
| Net Interest Margin | 3.07% | 3.37% | 3.07% | 2.54% | 2.42% | -65 bps | |
| Efficiency Ratio | 88.47% | 83.84% | 98.39% | 95.46% | 110.30% | +2,183 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.49% | -3.38% | -4.91% | -1.86% | 1.57% | +406 bps | |
| Loan Growth (YoY) | -25.22% | -23.03% | -28.01% | -28.13% | -25.44% | -22 bps | |
| Share Growth (YoY) | -3.31% | -4.32% | -5.96% | -2.56% | 6.19% | +950 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.13% | 0.11% | 0.07% | 0.00% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.18% | 1.45% | 1.76% | 1.99% | 2.28% | +110 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.04% | 15.12% | 14.51% | 14.34% | 10.93% | -311 bps | |
| Net Worth / Assets | 14.04% | 15.12% | 14.51% | 14.34% | 10.93% | -311 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.66% | 31.51% | 27.02% | 24.93% | 21.53% | -913 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |