Florissant, MO · Charter 64801
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 | -1.06% | -1.03% | -1.16% | -0.80% | -1.26% | -21 bps | |
| Return on Equity | -6.79% | -6.87% | -7.84% | -5.45% | -7.18% | -39 bps | |
| Net Interest Margin | 2.99% | 2.69% | 1.74% | 1.85% | 1.94% | -105 bps | |
| Efficiency Ratio | 122.65% | 124.98% | 142.22% | 127.63% | 140.33% | +1,768 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.61% | -0.06% | -1.75% | 1.38% | -14.56% | -495 bps | |
| Loan Growth (YoY) | -24.83% | -22.43% | -7.30% | -13.46% | 2.77% | +2,760 bps | |
| Share Growth (YoY) | -10.34% | 1.33% | 0.13% | 2.14% | -15.95% | -562 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.78% | 10.71% | 16.01% | 13.18% | 14.15% | +437 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.54% | 2.67% | 3.56% | 3.70% | 4.36% | +181 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.57% | 15.06% | 14.73% | 14.63% | 17.62% | +205 bps | |
| Net Worth / Assets | 15.57% | 15.06% | 14.73% | 14.63% | 17.62% | +205 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.67% | 43.45% | 44.53% | 43.25% | 57.07% | +1,040 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |