Embden, ND · Charter 64239
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Embden, ND · Charter 64239
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | 0.01% | -5.91% | -4.83% | -3.34% | -331 bps | |
| Return on Equity | -0.10% | 0.04% | -25.55% | -21.97% | -15.46% | -1,535 bps | |
| Net Interest Margin | 4.87% | 4.76% | 2.95% | 2.70% | 2.51% | -237 bps | |
| Efficiency Ratio | 100.49% | 99.81% | 190.58% | 220% | 227% | +12,616 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.90% | 2.44% | -6.25% | -6.71% | -4.33% | -823 bps | |
| Loan Growth (YoY) | -28.18% | 1.71% | -2.96% | 4.57% | 3.77% | +3,194 bps | |
| Share Growth (YoY) | 7.35% | 3.19% | -6.60% | -6.57% | -2.70% | -1,005 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.62% | 0.62% | 0.65% | 0.73% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.01% | 23.05% | 23.14% | 22.01% | 21.58% | -143 bps | |
| Net Worth / Assets | 23.01% | 23.05% | 23.14% | 22.01% | 21.58% | -143 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.75% | 62.61% | 67.67% | 62.65% | 55.19% | +344 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |