St. Paul Park, MN · Charter 64961
Q4 2009
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | -0.05% | -1.90% | -2.00% | -3.63% | -357 bps | |
| Return on Equity | -0.26% | -0.20% | -8.37% | -8.66% | -65.82% | -6,555 bps | |
| Net Interest Margin | 3.76% | 3.75% | 3.86% | 4.04% | 3.98% | +21 bps | |
| Efficiency Ratio | 95.88% | 101.99% | 106.14% | 112.03% | 154.53% | +5,865 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.35% | 1.59% | -9.38% | -11.46% | -8.63% | -1,798 bps | |
| Loan Growth (YoY) | -10.84% | -11.41% | -6.33% | -5.61% | -12.74% | -191 bps | |
| Share Growth (YoY) | 12.79% | 2.46% | -10.84% | -13.18% | 11.87% | -92 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.98% | 0.36% | 1.35% | 1.36% | 1.47% | -51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.48% | 0.83% | 1.02% | 1.28% | +80 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.89% | 23.33% | 22.72% | 23.03% | 5.51% | -1,738 bps | |
| Net Worth / Assets | 22.89% | 23.33% | 22.72% | 23.03% | 5.51% | -1,738 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.71% | 62.90% | 64.68% | 65.74% | 50.48% | -1,424 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |