Keokuk, IA · Charter 65198
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 | 0.97% | 1.34% | 1.21% | 1.46% | -3.28% | -425 bps | |
| Return on Equity | 4.29% | 5.96% | 5.33% | 6.09% | -14.05% | -1,834 bps | |
| Net Interest Margin | 3.93% | 3.87% | 3.56% | 3.98% | 2.58% | -135 bps | |
| Efficiency Ratio | 75.38% | 65.37% | 66.03% | 63.31% | 224% | +14,909 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.40% | -2.11% | -1.22% | -2.01% | -1.72% | +168 bps | |
| Loan Growth (YoY) | -25.77% | -18.64% | -16.23% | -13.03% | -27.99% | -223 bps | |
| Share Growth (YoY) | -5.35% | -4.14% | -3.07% | -4.77% | -2.73% | +262 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 16.91% | 21.93% | 3.62% | 3.69% | 14.28% | -263 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.43% | 5.09% | 5.45% | 5.80% | 7.53% | +211 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.53% | 22.52% | 22.71% | 23.94% | 23.33% | +80 bps | |
| Net Worth / Assets | 22.53% | 22.52% | 22.71% | 23.94% | 23.33% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.33% | 52.67% | 49.19% | 48.53% | 37.26% | -1,307 bps | |
| Liquid Assets / Assets | 61.90% | 60.25% | 61.66% | 64.29% | 72.57% | +1,066 bps | |