Ballwin, MO · Charter 64210
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | -0.31% | -0.36% | -2.82% | -1.56% | -146 bps | |
| Return on Equity | -0.80% | -2.37% | -2.42% | -22.43% | -9.61% | -882 bps | |
| Net Interest Margin | 4.10% | 3.88% | 4.51% | 4.61% | 5.56% | +146 bps | |
| Efficiency Ratio | 102.47% | 107.86% | 107.95% | 109.81% | 128.08% | +2,561 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.13% | -4.84% | -15.82% | -18.38% | -38.23% | -4,436 bps | |
| Loan Growth (YoY) | -10.48% | -9.40% | -14.78% | -24.31% | -27.52% | -1,703 bps | |
| Share Growth (YoY) | 6.42% | -5.98% | -17.63% | -18.03% | -40.61% | -4,703 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.16% | 19.00% | 15.82% | 17.26% | 0.00% | -1,516 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.22% | 3.74% | 4.22% | 7.46% | 7.73% | +451 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.85% | 12.96% | 14.86% | 12.55% | 16.24% | +339 bps | |
| Net Worth / Assets | 12.85% | 12.96% | 14.86% | 12.55% | 16.24% | +339 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.97% | 71.27% | 76.79% | 68.19% | 92.72% | +1,675 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |