Washington, IA · Charter 64567
Q3 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.51% | -0.32% | 1.16% | 0.57% | 0.72% | +123 bps | |
| Return on Equity | -4.70% | -2.74% | 9.03% | 4.47% | 5.07% | +977 bps | |
| Net Interest Margin | 5.97% | 6.68% | 8.07% | 7.31% | 8.35% | +238 bps | |
| Efficiency Ratio | 107.77% | 104.43% | 86.56% | 92.86% | 92.07% | -1,570 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.27% | -21.03% | -23.07% | -18.47% | -21.30% | -3 bps | |
| Loan Growth (YoY) | -4.44% | 16.77% | 47.19% | 46.65% | 23.43% | +2,787 bps | |
| Share Growth (YoY) | -22.13% | -23.08% | -25.87% | -20.35% | -24.23% | -210 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.86% | 0.93% | 3.52% | 11.52% | 19.98% | +1,712 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.82% | 0.74% | 0.73% | 0.76% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.81% | 11.72% | 12.87% | 12.70% | 14.16% | +335 bps | |
| Net Worth / Assets | 10.81% | 11.72% | 12.87% | 12.70% | 14.16% | +335 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.58% | 87.23% | 104.90% | 104.07% | 114.98% | +4,440 bps | |
| Liquid Assets / Assets | 36.40% | 22.41% | 8.17% | 8.00% | 0.60% | -3,581 bps | |