St. Louis, MO · Charter 68051
Q2 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.12% | -2.67% | -0.78% | 4.70% | 3.32% | +945 bps | |
| Return on Equity | -46.05% | -18.31% | -5.21% | 27.81% | 18.54% | +6,459 bps | |
| Net Interest Margin | 5.99% | 6.25% | 5.92% | 5.74% | 5.02% | -98 bps | |
| Efficiency Ratio | 74.45% | 69.13% | 62.27% | 17.53% | 36.73% | -3,773 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.69% | -18.05% | -13.07% | 0.09% | 1.52% | +1,721 bps | |
| Loan Growth (YoY) | 16.32% | 52.73% | 50.89% | 52.88% | -4.45% | -2,077 bps | |
| Share Growth (YoY) | -14.85% | -20.11% | -14.40% | -3.89% | -3.41% | +1,143 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 19.77% | 19.60% | 43.54% | 64.80% | 68.34% | +4,857 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 13.95% | 11.86% | 11.87% | 12.78% | 13.56% | -39 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.30% | 14.59% | 15.02% | 16.89% | 17.92% | +462 bps | |
| Net Worth / Assets | 13.30% | 14.59% | 15.02% | 16.89% | 17.92% | +462 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.40% | 64.09% | 59.49% | 57.16% | 54.81% | -60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |