Dexter, MO · Charter 65255
Q4 2011
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.52% | -0.62% | -2.71% | -1.69% | -3.16% | -264 bps | |
| Return on Equity | -4.20% | -3.91% | -17.63% | -12.15% | -21.98% | -1,778 bps | |
| Net Interest Margin | 4.07% | 5.26% | 5.52% | 4.97% | 5.38% | +131 bps | |
| Efficiency Ratio | 112.30% | 109.83% | 114.01% | 110.20% | 119.25% | +695 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.70% | -21.62% | -21.61% | -21.20% | -31.72% | -4,442 bps | |
| Loan Growth (YoY) | 48.62% | 58.15% | 51.18% | 34.65% | -14.23% | -6,285 bps | |
| Share Growth (YoY) | 15.37% | -24.00% | -21.27% | -21.69% | -32.79% | -4,816 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.94% | 0.41% | 4.84% | 4.68% | 2.55% | +61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.02% | 0.76% | 1.91% | 2.10% | 3.06% | +104 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.26% | 15.88% | 15.38% | 13.91% | 14.36% | +210 bps | |
| Net Worth / Assets | 12.26% | 15.88% | 15.38% | 13.91% | 14.36% | +210 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.40% | 103.18% | 100.67% | 85.41% | 88.57% | +1,917 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |