Dyersville, IA · Charter 65043
Q4 2011
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.43% | 0.10% | 0.13% | 0.19% | +10 bps | |
| Return on Equity | 0.83% | 4.03% | 0.88% | 1.21% | 1.71% | +88 bps | |
| Net Interest Margin | 3.25% | 3.45% | 3.60% | 3.57% | 3.54% | +29 bps | |
| Efficiency Ratio | 94.26% | 90.17% | 90.62% | 90.74% | 90.87% | -339 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.58% | 9.89% | 4.60% | -2.11% | -1.51% | -1,409 bps | |
| Loan Growth (YoY) | 3.59% | -0.41% | 1.40% | 3.48% | 1.66% | -193 bps | |
| Share Growth (YoY) | 14.28% | 11.00% | 5.07% | -2.61% | -1.88% | -1,616 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.02% | 0.89% | 0.50% | 0.51% | 0.81% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.37% | 0.42% | 0.46% | 0.41% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.46% | 10.66% | 10.92% | 10.84% | 10.90% | +44 bps | |
| Net Worth / Assets | 10.46% | 10.66% | 10.92% | 10.84% | 10.90% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.89% | 55.65% | 58.40% | 58.34% | 58.95% | +205 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |