Oran, MO · Charter 67751
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 7.63% | 4.70% | 0.32% | 0.73% | 8.36% | +74 bps | |
| Return on Equity | 72.36% | 42.90% | 3.31% | 7.27% | 67.25% | -512 bps | |
| Net Interest Margin | 5.56% | 5.13% | 5.24% | 5.01% | 4.15% | -142 bps | |
| Efficiency Ratio | 74.08% | 81.79% | 87.26% | 88.10% | 147.03% | +7,295 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -23.39% | -18.36% | -20.44% | -13.24% | -10.71% | +1,268 bps | |
| Loan Growth (YoY) | -22.34% | -25.69% | -26.77% | -29.01% | -27.07% | -473 bps | |
| Share Growth (YoY) | -25.03% | -19.67% | -21.53% | -15.04% | -12.61% | +1,242 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.15% | 5.61% | 14.23% | 16.11% | 5.20% | -195 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.92% | 3.79% | 7.16% | 7.18% | 3.79% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.54% | 10.96% | 9.73% | 10.09% | 12.44% | +190 bps | |
| Net Worth / Assets | 10.54% | 10.96% | 9.73% | 10.09% | 12.44% | +190 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.89% | 84.16% | 84.37% | 77.28% | 75.01% | -1,487 bps | |
| Liquid Assets / Assets | 18.19% | 0.00% | 0.00% | 0.00% | 0.00% | -1,819 bps | |