Raymond, MS · Charter 63239
Q4 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.05% | -4.06% | -0.43% | -0.72% | -5.33% | -428 bps | |
| Return on Equity | -7.95% | -32.20% | -3.13% | -5.32% | -48.86% | -4,090 bps | |
| Net Interest Margin | 5.39% | 5.70% | 5.73% | 5.56% | 6.17% | +78 bps | |
| Efficiency Ratio | 96.30% | 80.54% | 70.78% | 76.82% | 81.92% | -1,438 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.66% | -11.14% | -9.42% | -6.54% | -18.55% | -1,089 bps | |
| Loan Growth (YoY) | -13.38% | -15.97% | -11.50% | -12.58% | -22.33% | -895 bps | |
| Share Growth (YoY) | -7.83% | -10.85% | -11.02% | -7.04% | -16.61% | -878 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.97% | 0.71% | 1.16% | 1.23% | 0.25% | -173 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 1.26% | 1.70% | 1.84% | 0.00% | -114 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.24% | 12.60% | 13.77% | 13.47% | 10.92% | -232 bps | |
| Net Worth / Assets | 13.24% | 12.60% | 13.77% | 13.47% | 10.92% | -232 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.05% | 76.47% | 77.32% | 73.85% | 72.70% | -535 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |