Metropolis, IL · Charter 64965
Q3 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.40% | 0.27% | 0.30% | 0.57% | +16 bps | |
| Return on Equity | 4.84% | 4.27% | 3.29% | 3.63% | 6.47% | +163 bps | |
| Net Interest Margin | 5.72% | 6.12% | 6.11% | 5.70% | 5.94% | +22 bps | |
| Efficiency Ratio | 79.68% | 80.73% | 90.04% | 86.27% | 85.25% | +557 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.43% | -0.80% | 3.27% | 4.79% | 2.26% | -217 bps | |
| Loan Growth (YoY) | -2.62% | 0.04% | -2.33% | 4.33% | 4.94% | +755 bps | |
| Share Growth (YoY) | 4.84% | -1.07% | 3.72% | 5.58% | 1.91% | -293 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.89% | 5.70% | 5.27% | 7.13% | 8.63% | +474 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.52% | 2.81% | 2.33% | 2.78% | 2.08% | -43 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.54% | 9.27% | 8.34% | 8.18% | 8.79% | +26 bps | |
| Net Worth / Assets | 8.54% | 9.27% | 8.34% | 8.18% | 8.79% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.57% | 84.53% | 73.22% | 75.60% | 80.91% | +234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |