Alexandria, LA · Charter 62753
Q3 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.90% | 1.98% | -7.09% | -5.01% | -582 bps | |
| Return on Equity | 3.96% | 4.29% | 8.94% | -41.46% | -27.82% | -3,178 bps | |
| Net Interest Margin | 4.18% | 4.18% | 4.89% | 3.81% | 3.77% | -40 bps | |
| Efficiency Ratio | 77.48% | 76.68% | 61.61% | 105.66% | 104.63% | +2,715 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.35% | -5.05% | -9.33% | -2.94% | -3.82% | +53 bps | |
| Loan Growth (YoY) | 0.01% | -5.23% | -15.65% | -22.22% | -25.49% | -2,550 bps | |
| Share Growth (YoY) | -6.04% | -7.28% | -12.62% | 4.64% | -0.50% | +554 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.06% | 0.20% | 1.12% | 0.77% | 1.50% | +144 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.58% | 0.63% | 7.58% | 8.32% | +810 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.64% | 20.85% | 22.10% | 17.10% | 18.00% | -264 bps | |
| Net Worth / Assets | 20.64% | 20.85% | 22.10% | 17.10% | 18.00% | -264 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.75% | 74.81% | 72.64% | 60.08% | 58.22% | -1,953 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |