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Ryder Co-op

Ryder, ND · Charter 64045

Q4 2007

$599KAssets
$199KLoans
$540KShares
$57KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -6.43%, down 647 bps year over year; NIM at -3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.54%, down 661 bps from a year ago.
  • Funding: loans stand at 36.90% of shares as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

-6.43%-647 bps YoY

Net Interest Margin (YTD, annualized)

-3.49%-633 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

9.54%-661 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.05%0.93%0.91%0.69%-6.43%-647 bps
Return on Equity0.31%5.91%5.65%4.19%-67.34%-6,764 bps
Net Interest Margin2.84%3.57%3.68%3.80%-3.49%-633 bps
Efficiency Ratio98.34%75.88%76.56%82.66%n/an/a
Growth
Asset Growth (YoY)9.64%12.90%3.03%3.52%1.18%-846 bps
Loan Growth (YoY)-9.85%-8.26%-0.30%-4.25%0.19%+1,004 bps
Share Growth (YoY)11.64%15.19%3.06%3.86%9.17%-246 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.12%4.37%3.87%4.01%4.11%-1 bps
Capital
Risk-Based Capital16.15%15.79%16.15%16.55%9.54%-661 bps
Net Worth / Assets16.15%15.79%16.15%16.55%9.54%-661 bps
Liquidity & Funding
Loans / Shares40.21%36.43%41.83%41.50%36.90%-331 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps