Jefferson City, MO · Charter 68538
Q1 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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 0.47% | 0.25% | 0.65% | 0.28% | -111 bps | |
| Return on Equity | 90.69% | 36.80% | 14.61% | 29.42% | 10.27% | -8,043 bps | |
| Net Interest Margin | 2.92% | 2.58% | 2.78% | 2.68% | 2.18% | -74 bps | |
| Efficiency Ratio | 79.29% | 82.35% | 78.29% | 72.99% | 74.61% | -468 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.75% | 30.99% | 34.93% | 16.84% | -3.93% | -2,268 bps | |
| Loan Growth (YoY) | 159.35% | 40.00% | -6.93% | -1.20% | 0.29% | -15,906 bps | |
| Share Growth (YoY) | 20.31% | 34.41% | 35.79% | 14.95% | -4.93% | -2,524 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.30% | 1.19% | 3.83% | 3.28% | +328 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 0.99% | 1.46% | 2.05% | 2.23% | +111 bps | |
| Capital | |||||||
| Risk-Based Capital | 1.53% | 1.27% | 1.74% | 2.21% | 2.74% | +120 bps | |
| Net Worth / Assets | 1.53% | 1.27% | 1.74% | 2.21% | 2.74% | +120 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.48% | 33.07% | 43.64% | 41.29% | 43.76% | +228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |