Kirkwood, MO · Charter 64618
Q2 2008
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.73% | 1.85% | 1.62% | 0.89% | 0.53% | -119 bps | |
| Return on Equity | 13.13% | 13.85% | 11.53% | 6.49% | 3.80% | -933 bps | |
| Net Interest Margin | 4.33% | 4.45% | 4.69% | 4.26% | 4.06% | -27 bps | |
| Efficiency Ratio | 70.27% | 69.55% | 74.37% | 77.29% | 80.81% | +1,054 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.96% | 12.20% | 4.84% | 2.51% | 0.24% | -1,073 bps | |
| Loan Growth (YoY) | -1.35% | 2.30% | -1.08% | 4.11% | 5.45% | +680 bps | |
| Share Growth (YoY) | 9.82% | 11.86% | 3.63% | 1.08% | -0.91% | -1,073 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.01% | 1.92% | 0.74% | 2.50% | +186 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.09% | 0.10% | 0.06% | 0.24% | 0.46% | +37 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.14% | 13.34% | 14.07% | 13.71% | 14.03% | +89 bps | |
| Net Worth / Assets | 13.14% | 13.34% | 14.07% | 13.71% | 14.03% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.67% | 88.58% | 95.37% | 89.81% | 95.42% | +575 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |