Meadow Grove, NE · Charter 66273
Q3 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.89% | 1.93% | 2.21% | 1.24% | 0.62% | -127 bps | |
| Return on Equity | 19.46% | 19.19% | 20.39% | 11.62% | 6.10% | -1,337 bps | |
| Net Interest Margin | 5.40% | 5.52% | 6.27% | 5.46% | 4.52% | -88 bps | |
| Efficiency Ratio | 64.94% | 65.03% | 61.10% | 70.15% | 88.14% | +2,320 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.06% | -5.38% | -6.28% | -1.85% | 6.11% | +816 bps | |
| Loan Growth (YoY) | 2.25% | -9.04% | -7.26% | 0.59% | -4.54% | -679 bps | |
| Share Growth (YoY) | -4.97% | -7.87% | -9.12% | -3.93% | 5.33% | +1,030 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.44% | 3.75% | 6.65% | 2.24% | 4.98% | +353 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.46% | 0.56% | 0.51% | 0.88% | +52 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.69% | 10.05% | 10.84% | 10.65% | 10.14% | +45 bps | |
| Net Worth / Assets | 9.69% | 10.05% | 10.84% | 10.65% | 10.14% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 109.05% | 105.58% | 103.66% | 108.82% | 98.83% | -1,022 bps | |
| Liquid Assets / Assets | 0.00% | 1.92% | 4.95% | -0.42% | 9.23% | +923 bps | |