Centralia, IL · Charter 65686
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 | -0.19% | -0.07% | -3.81% | 0.00% | -0.60% | -41 bps | |
| Return on Equity | -1.51% | -0.56% | -33.01% | 0.03% | -5.47% | -395 bps | |
| Net Interest Margin | 6.55% | 6.83% | 5.91% | 5.82% | 5.90% | -65 bps | |
| Efficiency Ratio | 102.53% | 100.79% | 109.45% | 96.01% | 108.27% | +575 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.31% | 0.29% | 0.02% | 6.31% | 10.49% | +1,680 bps | |
| Loan Growth (YoY) | -2.42% | -5.28% | -0.74% | -1.15% | -8.14% | -572 bps | |
| Share Growth (YoY) | -6.70% | 0.41% | 0.91% | 7.07% | 12.37% | +1,906 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.13% | 1.36% | 1.65% | 1.76% | 2.26% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.58% | 2.11% | 2.16% | 2.13% | 2.29% | +72 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.63% | 13.16% | 11.55% | 11.61% | 11.04% | -159 bps | |
| Net Worth / Assets | 12.63% | 13.16% | 11.55% | 11.61% | 11.04% | -159 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.20% | 76.84% | 72.26% | 69.18% | 63.11% | -1,409 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |