Merrill, WI · Charter 66443
Q2 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.65% | 0.47% | 10.40% | 5.22% | +462 bps | |
| Return on Equity | 1.10% | 1.19% | 0.86% | 18.48% | 9.09% | +799 bps | |
| Net Interest Margin | 3.59% | 3.46% | 3.58% | 3.32% | 2.64% | -96 bps | |
| Efficiency Ratio | 83.49% | 81.72% | 87.02% | 149.29% | 161.72% | +7,823 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.29% | -0.15% | -1.03% | 1.18% | -0.40% | -12 bps | |
| Loan Growth (YoY) | 2.13% | -6.84% | -1.38% | -7.53% | -15.70% | -1,782 bps | |
| Share Growth (YoY) | -1.77% | -1.19% | -3.13% | -3.71% | -6.78% | -501 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.77% | 0.63% | 0.53% | 0.34% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.84% | 10.79% | 10.79% | 1.56% | 1.72% | -913 bps | |
| Capital | |||||||
| Risk-Based Capital | 54.36% | 54.58% | 55.01% | 56.29% | 57.37% | +300 bps | |
| Net Worth / Assets | 54.36% | 54.58% | 55.01% | 56.29% | 57.37% | +300 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.88% | 79.71% | 81.16% | 75.15% | 71.34% | -754 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |