St. Louis, MO · Charter 67768
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 | 0.54% | 1.36% | 0.76% | -0.71% | -8.17% | -871 bps | |
| Return on Equity | 2.29% | 5.85% | 3.40% | -3.33% | -53.06% | -5,535 bps | |
| Net Interest Margin | 4.31% | 4.11% | 3.68% | 3.54% | -3.23% | -754 bps | |
| Efficiency Ratio | 76.78% | 70.17% | 81.05% | 85.74% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.81% | -0.22% | 3.68% | 6.73% | 0.00% | +481 bps | |
| Loan Growth (YoY) | 16.59% | 2.95% | -6.33% | -14.50% | -20.10% | -3,670 bps | |
| Share Growth (YoY) | -6.82% | -2.16% | 4.08% | 9.60% | 10.57% | +1,739 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.18% | 1.49% | 0.57% | 0.63% | +43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.47% | 0.53% | 0.76% | 1.21% | +74 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.56% | 23.20% | 22.45% | 21.29% | 15.39% | -817 bps | |
| Net Worth / Assets | 23.56% | 23.20% | 22.45% | 21.29% | 15.39% | -817 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.93% | 83.39% | 71.53% | 76.01% | 68.60% | -2,633 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |