Beloit, IL · Charter 65377
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 | 0.11% | 1.41% | 0.51% | -8.80% | 3.42% | +331 bps | |
| Return on Equity | 0.59% | 7.01% | 2.56% | -56.58% | 15.95% | +1,536 bps | |
| Net Interest Margin | 6.24% | 6.77% | 6.07% | 7.40% | 10.78% | +453 bps | |
| Efficiency Ratio | 84.92% | 71.52% | 77.70% | 98.54% | 66.04% | -1,889 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.67% | -2.80% | -2.77% | -20.30% | -35.31% | -3,264 bps | |
| Loan Growth (YoY) | 4.11% | 3.45% | 1.84% | -2.73% | -11.06% | -1,517 bps | |
| Share Growth (YoY) | -2.96% | -3.20% | -4.41% | -16.45% | -36.95% | -3,399 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.48% | 10.28% | 10.91% | 17.25% | 13.81% | +433 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.77% | 3.70% | 4.38% | 10.47% | 10.73% | +696 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.47% | 20.07% | 20.07% | 15.54% | 21.48% | +201 bps | |
| Net Worth / Assets | 19.47% | 20.07% | 20.07% | 15.54% | 21.48% | +201 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.56% | 82.60% | 85.96% | 90.85% | 113.65% | +3,309 bps | |
| Liquid Assets / Assets | 34.42% | 33.27% | 31.45% | 27.88% | 12.85% | -2,157 bps | |