So. Holland, IL · Charter 65365
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | -3.18% | -0.47% | 0.92% | -2.33% | -207 bps | |
| Return on Equity | -0.56% | -7.25% | -1.14% | 2.24% | -4.23% | -368 bps | |
| Net Interest Margin | 4.36% | 4.38% | 4.26% | 4.17% | 5.25% | +89 bps | |
| Efficiency Ratio | 105.54% | 111.00% | 76.22% | 64.98% | 122.95% | +1,741 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.07% | -4.90% | 3.14% | 5.33% | -24.86% | -2,379 bps | |
| Loan Growth (YoY) | 16.10% | 4.23% | -14.03% | -19.87% | -15.43% | -3,152 bps | |
| Share Growth (YoY) | -0.84% | -2.89% | 12.26% | 13.83% | -38.66% | -3,782 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.53% | 12.30% | 12.21% | 18.39% | 14.30% | -123 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 6.11% | 6.65% | 5.67% | 5.65% | +469 bps | |
| Capital | |||||||
| Risk-Based Capital | 45.53% | 43.82% | 41.02% | 40.90% | 54.99% | +946 bps | |
| Net Worth / Assets | 45.53% | 43.82% | 41.02% | 40.90% | 54.99% | +946 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.03% | 93.29% | 77.29% | 70.63% | 133.78% | +3,675 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |