Goessel, KS · Charter 6566
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.20% | 0.28% | 0.29% | 0.59% | +32 bps | |
| Return on Equity | 1.50% | 1.14% | 1.51% | 1.62% | 3.26% | +176 bps | |
| Net Interest Margin | 3.23% | 3.26% | 3.46% | 3.36% | 3.41% | +18 bps | |
| Efficiency Ratio | 90.71% | 92.75% | 91.39% | 91.06% | 82.33% | -838 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.33% | -3.97% | -5.48% | -3.96% | -0.40% | +494 bps | |
| Loan Growth (YoY) | 8.81% | 14.88% | 8.79% | -3.98% | -6.67% | -1,548 bps | |
| Share Growth (YoY) | -6.65% | -7.07% | -7.01% | 0.40% | -0.98% | +567 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.22% | 1.17% | 1.17% | 1.27% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.54% | 17.56% | 18.31% | 17.75% | 17.98% | +44 bps | |
| Net Worth / Assets | 17.54% | 17.56% | 18.31% | 17.75% | 17.98% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.70% | 60.50% | 62.41% | 59.71% | 56.27% | -343 bps | |
| Liquid Assets / Assets | 20.65% | 23.13% | 26.89% | 32.11% | 38.01% | +1,736 bps | |