Sedalia, MO · Charter 63074
Q2 2009
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | -0.28% | -0.39% | -0.38% | -3.66% | -346 bps | |
| Return on Equity | -1.47% | -1.93% | -2.60% | -2.66% | -26.95% | -2,548 bps | |
| Net Interest Margin | 3.37% | 3.79% | 3.86% | 3.89% | 3.58% | +21 bps | |
| Efficiency Ratio | 153.32% | 136.86% | 133.17% | 109.52% | 162.31% | +899 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.44% | 22.39% | 25.96% | 13.40% | -11.62% | -1,806 bps | |
| Loan Growth (YoY) | -17.01% | -8.87% | 3.12% | 10.91% | -6.71% | +1,030 bps | |
| Share Growth (YoY) | 13.89% | 25.91% | 30.57% | 13.01% | -32.42% | -4,631 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 2.54% | 0.92% | 0.42% | 4.72% | +406 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.29% | 0.17% | 0.29% | 1.43% | +111 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.91% | 14.33% | 14.85% | 14.13% | 13.59% | -32 bps | |
| Net Worth / Assets | 13.91% | 14.33% | 14.85% | 14.13% | 13.59% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.13% | 78.29% | 82.49% | 77.49% | 96.82% | +2,668 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |