Kirkwood, MO · Charter 67202
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.36% | -0.16% | -0.27% | -0.42% | -0.09% | +27 bps | |
| Return on Equity | -2.03% | -0.98% | -1.53% | -2.49% | -0.50% | +153 bps | |
| Net Interest Margin | 3.69% | 3.26% | 3.56% | 3.11% | 3.00% | -69 bps | |
| Efficiency Ratio | 107.23% | 103.51% | 103.46% | 110.95% | 102.70% | -454 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.20% | 15.08% | 14.55% | 3.21% | 1.16% | -104 bps | |
| Loan Growth (YoY) | -17.84% | -20.51% | -16.20% | -7.03% | -14.04% | +380 bps | |
| Share Growth (YoY) | 3.32% | 19.36% | 18.91% | 4.33% | 1.40% | -192 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.51% | 0.54% | 0.00% | 1.24% | +76 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.40% | 0.61% | 0.03% | 0.03% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.62% | 15.75% | 17.34% | 17.06% | 17.29% | -33 bps | |
| Net Worth / Assets | 17.62% | 15.75% | 17.34% | 17.06% | 17.29% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.49% | 55.61% | 59.88% | 58.71% | 58.06% | -1,043 bps | |
| Liquid Assets / Assets | 39.60% | 50.76% | 47.02% | 48.33% | 47.96% | +836 bps | |