Delavan, WI · Charter 66741
Q4 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.27% | -6.81% | -2.68% | -2.82% | -2.76% | -250 bps | |
| Return on Equity | -0.88% | -25.75% | -10.15% | -10.92% | -10.21% | -933 bps | |
| Net Interest Margin | 5.21% | 3.51% | 3.12% | 3.06% | 3.18% | -203 bps | |
| Efficiency Ratio | 97.77% | 164.96% | 106.69% | 110.36% | 123.61% | +2,584 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.41% | -6.31% | -8.24% | -8.84% | 2.15% | +656 bps | |
| Loan Growth (YoY) | -30.25% | -30.40% | -27.49% | -30.63% | -31.81% | -156 bps | |
| Share Growth (YoY) | -5.30% | -8.67% | -9.02% | -8.97% | 5.24% | +1,054 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.95% | 2.66% | 2.75% | 0.44% | 0.42% | -253 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.88% | 2.00% | 2.59% | 1.56% | 1.48% | -139 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.47% | 26.46% | 26.42% | 25.82% | 27.06% | -340 bps | |
| Net Worth / Assets | 30.47% | 26.46% | 26.42% | 25.82% | 27.06% | -340 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.33% | 67.79% | 64.45% | 55.78% | 58.53% | -3,180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |