Madison, IL · Charter 9161
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.82% | -0.27% | 1.62% | -0.10% | 26.67% | +2,748 bps | |
| Return on Equity | -17.31% | -5.05% | 28.57% | -1.76% | 66.67% | +8,397 bps | |
| Net Interest Margin | 5.61% | 5.89% | 4.77% | 5.09% | 53.33% | +4,772 bps | |
| Efficiency Ratio | 62.20% | 62.26% | 72.92% | 85.00% | 50.00% | -1,220 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.82% | -12.96% | -16.26% | -18.77% | -100.00% | -8,618 bps | |
| Loan Growth (YoY) | -21.21% | -24.95% | -26.47% | -24.87% | -100.00% | -7,879 bps | |
| Share Growth (YoY) | -13.26% | -12.20% | -15.92% | -18.98% | -100.00% | -8,674 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.41% | 3.67% | 2.50% | 4.78% | 0.00% | -341 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.62% | 3.66% | 3.47% | 4.24% | 0.00% | -362 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.71% | 5.26% | 5.67% | 5.67% | 40.00% | +3,529 bps | |
| Net Worth / Assets | 4.71% | 5.26% | 5.67% | 5.67% | 40.00% | +3,529 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.20% | 75.87% | 70.13% | 71.90% | 66.67% | -1,454 bps | |
| Liquid Assets / Assets | 15.57% | 23.79% | 26.38% | 21.98% | 20.00% | +443 bps | |