Edina, MN · Charter 64701
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.22% | 0.46% | 0.31% | -3.00% | -329 bps | |
| Return on Equity | 1.64% | 1.28% | 2.86% | 1.95% | -23.27% | -2,491 bps | |
| Net Interest Margin | 4.18% | 3.94% | 4.04% | 3.68% | 3.81% | -37 bps | |
| Efficiency Ratio | 77.45% | 85.00% | 76.06% | 82.05% | 136.60% | +5,915 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.42% | 2.20% | 4.82% | 12.08% | 11.16% | +874 bps | |
| Loan Growth (YoY) | -1.29% | 2.06% | -0.49% | 5.13% | 2.15% | +344 bps | |
| Share Growth (YoY) | 2.17% | 2.09% | 5.22% | 14.44% | 17.98% | +1,581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.68% | 4.14% | 3.58% | 3.44% | 0.05% | -362 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.50% | 0.77% | 0.76% | 0.39% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.68% | 17.02% | 16.19% | 16.00% | 12.91% | -478 bps | |
| Net Worth / Assets | 17.68% | 17.02% | 16.19% | 16.00% | 12.91% | -478 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.30% | 88.66% | 81.57% | 84.00% | 79.05% | -1,225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |