Jefferson City, MO · Charter 64633
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.25% | -2.39% | -4.31% | -1.05% | -6.73% | -448 bps | |
| Return on Equity | -28.67% | -31.31% | -66.52% | -15.05% | -81.67% | -5,300 bps | |
| Net Interest Margin | 4.00% | 4.17% | 3.92% | 3.84% | 3.96% | -4 bps | |
| Efficiency Ratio | 100.52% | 103.78% | 92.47% | 93.15% | 174.84% | +7,432 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.16% | -1.31% | -1.68% | -3.90% | -7.12% | -495 bps | |
| Loan Growth (YoY) | -20.44% | -25.62% | -25.66% | -26.76% | -25.05% | -460 bps | |
| Share Growth (YoY) | 0.53% | 1.80% | 2.13% | -1.30% | -2.33% | -287 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.07% | 1.58% | 2.36% | 0.86% | 1.72% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.60% | 2.67% | 3.93% | 3.19% | 2.44% | -216 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.85% | 7.65% | 6.47% | 7.00% | 8.24% | +40 bps | |
| Net Worth / Assets | 7.85% | 7.65% | 6.47% | 7.00% | 8.24% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.22% | 50.79% | 45.37% | 42.68% | 40.07% | -1,214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |