Selmen, TN · Charter 68155
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.54% | 0.55% | 0.67% | -2.57% | -298 bps | |
| Return on Equity | 2.41% | 3.25% | 3.45% | 3.72% | -14.65% | -1,706 bps | |
| Net Interest Margin | 3.54% | 3.23% | 2.96% | 3.15% | 4.22% | +69 bps | |
| Efficiency Ratio | 85.18% | 80.17% | 78.60% | 76.29% | 81.56% | -363 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.18% | 6.65% | 15.81% | 3.96% | -2.79% | +140 bps | |
| Loan Growth (YoY) | 1.19% | 5.74% | 19.96% | 19.26% | 3.69% | +250 bps | |
| Share Growth (YoY) | -6.92% | 6.39% | 18.02% | 14.89% | -3.73% | +319 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.36% | 1.48% | +148 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.02% | 2.22% | 2.89% | 2.75% | 2.98% | +96 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.11% | 16.62% | 15.96% | 18.14% | 17.52% | +42 bps | |
| Net Worth / Assets | 17.11% | 16.62% | 15.96% | 18.14% | 17.52% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.45% | 26.49% | 27.31% | 30.24% | 30.65% | +219 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |