Cedar Rapids, IA · Charter 64672
Q4 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.31% | 1.16% | 0.69% | 0.67% | 1.03% | -28 bps | |
| Return on Equity | 5.54% | 5.74% | 3.31% | 3.18% | 4.53% | -101 bps | |
| Net Interest Margin | 4.97% | 3.96% | 3.93% | 3.83% | 4.30% | -67 bps | |
| Efficiency Ratio | 68.55% | 69.49% | 76.05% | 77.95% | 74.58% | +604 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.50% | 20.02% | 17.15% | 15.05% | 9.25% | +575 bps | |
| Loan Growth (YoY) | -10.46% | -9.44% | -11.27% | -4.75% | -3.47% | +699 bps | |
| Share Growth (YoY) | 2.94% | 24.30% | 20.98% | 17.45% | 10.64% | +770 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.95% | 0.34% | 2.43% | 2.05% | +81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.63% | 0.81% | 0.79% | 0.80% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.62% | 20.16% | 20.80% | 21.03% | 22.65% | -97 bps | |
| Net Worth / Assets | 23.62% | 20.16% | 20.80% | 21.03% | 22.65% | -97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.01% | 79.71% | 80.54% | 86.67% | 91.62% | -1,339 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |