Des Moines, IA · Charter 64988
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.65% | -2.93% | -1.80% | -1.45% | -7.15% | -350 bps | |
| Return on Equity | -32.94% | -26.08% | -15.79% | -12.35% | -50.87% | -1,792 bps | |
| Net Interest Margin | 2.80% | 3.10% | 2.91% | 3.17% | 3.46% | +66 bps | |
| Efficiency Ratio | 77.25% | 57.37% | 64.15% | 59.77% | 80.13% | +288 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.00% | -9.39% | -10.70% | -9.17% | -27.53% | -2,453 bps | |
| Loan Growth (YoY) | -1.09% | -20.08% | -9.48% | -11.06% | -17.22% | -1,613 bps | |
| Share Growth (YoY) | -2.42% | -8.92% | -11.25% | -9.69% | -29.93% | -2,752 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.04% | 12.77% | 10.44% | 10.99% | 0.00% | -704 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.67% | 2.68% | 2.53% | 3.99% | 1.35% | -132 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.08% | 11.25% | 11.40% | 11.75% | 14.06% | +298 bps | |
| Net Worth / Assets | 11.08% | 11.25% | 11.40% | 11.75% | 14.06% | +298 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.04% | 39.79% | 43.13% | 43.67% | 46.12% | +708 bps | |
| Liquid Assets / Assets | 29.51% | 24.34% | 38.26% | 29.66% | 44.12% | +1,461 bps | |