Wood River, IL · Charter 65641
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.37% | -4.69% | -0.52% | -1.06% | -139 bps | |
| Return on Equity | 3.81% | 4.05% | -62.18% | -6.30% | -12.72% | -1,653 bps | |
| Net Interest Margin | 4.52% | 4.62% | 4.95% | 4.58% | 4.73% | +22 bps | |
| Efficiency Ratio | 93.90% | 91.91% | 112.46% | 94.67% | 96.50% | +260 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.87% | -5.67% | -10.49% | -8.87% | -6.22% | -435 bps | |
| Loan Growth (YoY) | -10.42% | -12.01% | -7.46% | -4.59% | -7.54% | +287 bps | |
| Share Growth (YoY) | -2.43% | -6.79% | -11.13% | -9.89% | -6.36% | -393 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.43% | 0.26% | 0.81% | 0.30% | +5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 1.57% | 1.46% | 1.49% | 1.37% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.62% | 9.07% | 7.54% | 8.31% | 8.35% | -26 bps | |
| Net Worth / Assets | 8.62% | 9.07% | 7.54% | 8.31% | 8.35% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.85% | 72.98% | 69.08% | 69.78% | 70.94% | -91 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |