Janesville, WI · Charter 66863
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.41% | -0.44% | -3.25% | -1.25% | -2.25% | -184 bps | |
| Return on Equity | -1.95% | -2.03% | -15.01% | -5.95% | -10.68% | -872 bps | |
| Net Interest Margin | 6.10% | 6.27% | 5.35% | 5.00% | 5.07% | -103 bps | |
| Efficiency Ratio | 101.65% | 100.96% | 154.31% | 102.98% | 116.52% | +1,486 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.90% | -14.55% | -12.65% | -11.81% | -8.45% | +444 bps | |
| Loan Growth (YoY) | -27.81% | -30.20% | -25.65% | -25.71% | -24.89% | +292 bps | |
| Share Growth (YoY) | -14.41% | -12.40% | -14.93% | -13.51% | -3.15% | +1,126 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.22% | 1.67% | 2.32% | 1.41% | 1.13% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 0.87% | 1.04% | 1.10% | 1.28% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.98% | 21.77% | 21.66% | 21.07% | 21.10% | +12 bps | |
| Net Worth / Assets | 20.98% | 21.77% | 21.66% | 21.07% | 21.10% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.26% | 100.23% | 92.22% | 82.96% | 81.64% | -2,363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |