St. Louis, MO · Charter 62811
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.68% | 0.60% | 0.46% | 0.32% | -36 bps | |
| Return on Equity | 6.26% | 6.38% | 5.50% | 4.13% | 3.55% | -271 bps | |
| Net Interest Margin | 4.25% | 3.76% | 3.81% | 3.90% | 3.92% | -33 bps | |
| Efficiency Ratio | 78.97% | 80.72% | 80.87% | 82.88% | 81.88% | +291 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.36% | 1.16% | 2.67% | 2.78% | -0.26% | -162 bps | |
| Loan Growth (YoY) | 17.31% | 15.15% | 9.09% | 4.98% | 1.46% | -1,586 bps | |
| Share Growth (YoY) | 0.83% | 0.27% | 1.88% | 2.35% | -0.89% | -172 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.24% | 2.15% | 2.14% | 2.42% | 2.41% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 1.23% | 1.20% | 1.27% | 1.39% | +20 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.83% | 10.71% | 10.83% | 11.08% | 9.02% | -181 bps | |
| Net Worth / Assets | 10.83% | 10.71% | 10.83% | 11.08% | 9.02% | -181 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.20% | 63.62% | 65.59% | 67.99% | 67.77% | +157 bps | |
| Liquid Assets / Assets | 15.56% | 19.27% | 18.91% | 17.08% | 18.32% | +276 bps | |