Mt. Zion, IL · Charter 81572
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 | -2.35% | -1.28% | -0.83% | -4.24% | -6.79% | -443 bps | |
| Return on Equity | -18.33% | -9.49% | -5.94% | -35.50% | -65.12% | -4,680 bps | |
| Net Interest Margin | 6.50% | 6.59% | 6.93% | 7.57% | 6.46% | -4 bps | |
| Efficiency Ratio | 135.53% | 119.02% | 110.08% | 106.80% | 162.48% | +2,695 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.39% | -11.55% | -9.28% | -13.27% | -18.18% | -1,279 bps | |
| Loan Growth (YoY) | -5.64% | -8.76% | -1.55% | -13.44% | -11.81% | -617 bps | |
| Share Growth (YoY) | -5.33% | -12.14% | -9.58% | -11.02% | -15.90% | -1,058 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.24% | 12.61% | 8.32% | 5.93% | 4.78% | -346 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.40% | 3.20% | 3.04% | 4.51% | 5.93% | +153 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.84% | 13.47% | 13.92% | 11.93% | 10.42% | -242 bps | |
| Net Worth / Assets | 12.84% | 13.47% | 13.92% | 11.93% | 10.42% | -242 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.22% | 90.92% | 104.29% | 96.79% | 89.37% | +415 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |