Quincy, IL · Charter 65487
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | -0.07% | -0.17% | -1.25% | -0.55% | -63 bps | |
| Return on Equity | 0.35% | -0.28% | -0.64% | -4.87% | -2.03% | -238 bps | |
| Net Interest Margin | 3.74% | 3.51% | 4.50% | 2.88% | 3.53% | -22 bps | |
| Efficiency Ratio | 97.81% | 101.91% | 103.70% | 143.54% | 115.62% | +1,782 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.61% | -1.28% | -10.23% | -11.19% | -15.01% | -1,140 bps | |
| Loan Growth (YoY) | -27.23% | -27.93% | -36.91% | -48.73% | -46.07% | -1,884 bps | |
| Share Growth (YoY) | -4.58% | -1.59% | -13.24% | -13.97% | -19.02% | -1,444 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.71% | 17.13% | 13.02% | 13.34% | 16.09% | +737 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.77% | 3.01% | 3.83% | 4.91% | 5.14% | +237 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.54% | 23.72% | 26.20% | 25.70% | 27.14% | +359 bps | |
| Net Worth / Assets | 23.54% | 23.72% | 26.20% | 25.70% | 27.14% | +359 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.89% | 51.32% | 46.15% | 35.85% | 36.55% | -1,834 bps | |
| Liquid Assets / Assets | 57.37% | 60.25% | 65.29% | 72.70% | 72.67% | +1,530 bps | |