Kirkwood, MO · Charter 63064
Q2 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | -0.49% | -1.66% | 0.01% | -0.80% | -73 bps | |
| Return on Equity | -0.99% | -6.59% | -25.21% | 0.19% | -12.21% | -1,122 bps | |
| Net Interest Margin | 2.61% | 2.79% | 2.98% | 3.03% | 2.96% | +34 bps | |
| Efficiency Ratio | 91.02% | 101.90% | 105.71% | 99.95% | 100.40% | +938 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.43% | -6.18% | -10.28% | -16.88% | -16.83% | -1,440 bps | |
| Loan Growth (YoY) | -11.68% | -14.04% | -15.11% | -15.45% | -13.96% | -228 bps | |
| Share Growth (YoY) | -1.38% | -5.00% | -8.95% | -16.42% | -16.32% | -1,494 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.42% | 1.39% | 0.70% | 0.61% | 1.49% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.86% | 1.55% | 1.47% | 1.55% | +61 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.22% | 7.40% | 6.58% | 6.92% | 6.57% | -65 bps | |
| Net Worth / Assets | 7.22% | 7.40% | 6.58% | 6.92% | 6.57% | -65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.28% | 80.45% | 79.99% | 81.87% | 79.46% | +218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |