Sikeston, MO · Charter 67983
Q3 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.56% | -0.78% | 2.03% | 1.02% | -4.71% | -415 bps | |
| Return on Equity | -2.58% | -3.74% | 12.09% | 5.84% | -23.65% | -2,107 bps | |
| Net Interest Margin | 6.63% | 6.79% | 8.38% | 7.92% | 7.35% | +72 bps | |
| Efficiency Ratio | 80.52% | 81.23% | 76.02% | 87.34% | 97.27% | +1,676 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.83% | 0.73% | -5.53% | -7.02% | -9.41% | +942 bps | |
| Loan Growth (YoY) | 16.65% | 55.28% | 43.00% | -9.39% | -25.49% | -4,214 bps | |
| Share Growth (YoY) | -22.29% | 1.91% | -2.82% | -5.56% | -7.46% | +1,484 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.35% | 25.06% | 37.02% | 47.97% | 53.90% | +3,655 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.65% | 6.86% | 12.64% | 10.07% | 12.86% | +521 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.60% | 20.78% | 16.82% | 17.44% | 19.90% | -170 bps | |
| Net Worth / Assets | 21.60% | 20.78% | 16.82% | 17.44% | 19.90% | -170 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.07% | 95.09% | 74.76% | 65.06% | 61.25% | -1,482 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |