Abingdon, IL · Charter 65918
Q1 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.46% | -0.03% | 0.43% | 0.55% | 0.97% | +144 bps | |
| Return on Equity | -5.41% | -0.37% | 3.73% | 4.77% | 9.20% | +1,461 bps | |
| Net Interest Margin | 2.32% | 2.87% | 3.68% | 3.89% | 4.21% | +189 bps | |
| Efficiency Ratio | 119.07% | 101.11% | 89.33% | 87.10% | 78.19% | -4,088 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.53% | 14.18% | -3.61% | -3.80% | -11.37% | -3,390 bps | |
| Loan Growth (YoY) | -4.42% | 2.03% | 3.57% | 11.54% | 11.87% | +1,629 bps | |
| Share Growth (YoY) | 25.68% | 16.26% | -3.97% | -5.17% | -12.91% | -3,860 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.86% | 11.78% | 10.86% | 6.17% | 5.11% | -775 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.88% | 8.08% | 6.79% | 5.34% | 5.90% | -197 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.59% | 9.26% | 11.50% | 11.53% | 10.55% | +197 bps | |
| Net Worth / Assets | 8.59% | 9.26% | 11.50% | 11.53% | 10.55% | +197 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.61% | 77.91% | 94.34% | 100.16% | 88.13% | +1,953 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |