Inkom, ID · Charter 67203
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.17% | 0.00% | -0.01% | -0.20% | -0.44% | +74 bps | |
| Return on Equity | -15.18% | 0.03% | -0.19% | -2.93% | -6.60% | +858 bps | |
| Net Interest Margin | 3.63% | 4.01% | 3.64% | 3.31% | 3.00% | -63 bps | |
| Efficiency Ratio | 103.58% | 99.95% | 100.35% | 105.64% | 113.28% | +971 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.19% | -1.33% | -0.77% | -2.58% | 9.65% | +1,883 bps | |
| Loan Growth (YoY) | -20.48% | -15.72% | 0.00% | 1.39% | 3.00% | +2,348 bps | |
| Share Growth (YoY) | -8.59% | 0.60% | 0.72% | -2.29% | 11.40% | +1,999 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 1.60% | 1.12% | 0.00% | 0.36% | -98 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.88% | 0.76% | 0.82% | 0.81% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.71% | 7.36% | 7.39% | 6.90% | 6.60% | -111 bps | |
| Net Worth / Assets | 7.71% | 7.36% | 7.39% | 6.90% | 6.60% | -111 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.91% | 67.38% | 78.77% | 69.76% | 70.19% | -572 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |