Mattoon, IL · Charter 65902
Q1 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.37% | -0.54% | -0.41% | -1.04% | -0.76% | +61 bps | |
| Return on Equity | -4.82% | -1.84% | -1.36% | -3.47% | -2.46% | +236 bps | |
| Net Interest Margin | 7.91% | 7.90% | 8.22% | 8.30% | 6.74% | -117 bps | |
| Efficiency Ratio | 117.31% | 106.80% | 104.95% | 112.52% | 111.31% | -600 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -26.53% | -26.75% | -26.43% | -14.44% | -10.84% | +1,569 bps | |
| Loan Growth (YoY) | -22.58% | -12.30% | -22.07% | -16.88% | -20.53% | +205 bps | |
| Share Growth (YoY) | -33.25% | -33.79% | -33.50% | -18.54% | -14.13% | +1,912 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 26.97% | 31.64% | 29.03% | 35.47% | 35.07% | +809 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.10% | 1.91% | 2.09% | 2.86% | 3.47% | +136 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.48% | 29.25% | 29.98% | 29.97% | 31.05% | +257 bps | |
| Net Worth / Assets | 28.48% | 29.25% | 29.98% | 29.97% | 31.05% | +257 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 116.56% | 132.87% | 126.17% | 123.31% | 107.88% | -868 bps | |
| Liquid Assets / Assets | 6.69% | 4.87% | 5.01% | 5.52% | 5.78% | -91 bps | |