Shreveport, LA · Charter 8050
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 | -0.08% | -4.02% | -7.45% | -9.17% | -0.03% | +5 bps | |
| Return on Equity | -0.29% | -15.43% | -29.53% | -44.43% | -0.11% | +18 bps | |
| Net Interest Margin | 6.61% | 4.16% | 6.16% | 7.25% | 7.53% | +92 bps | |
| Efficiency Ratio | 98.71% | 181.55% | 131.28% | 115.78% | 101.48% | +276 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.38% | -15.76% | -13.30% | -11.73% | -5.85% | +753 bps | |
| Loan Growth (YoY) | 6.62% | -1.48% | -2.14% | -14.60% | -23.69% | -3,031 bps | |
| Share Growth (YoY) | -21.62% | -22.11% | -13.56% | -5.12% | -6.93% | +1,469 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 16.19% | 6.57% | 10.19% | 14.87% | 11.06% | -513 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 2.80% | 4.51% | +451 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.60% | 26.02% | 25.23% | 20.64% | 25.67% | -93 bps | |
| Net Worth / Assets | 26.60% | 26.02% | 25.23% | 20.64% | 25.67% | -93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.52% | 102.91% | 93.98% | 86.23% | 88.98% | -1,954 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |