Decatur, IL · Charter 95023
Q4 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.50% | 0.62% | 0.56% | 0.49% | +20 bps | |
| Return on Equity | 2.33% | 4.10% | 5.12% | 4.45% | 3.86% | +153 bps | |
| Net Interest Margin | 2.46% | 2.44% | 2.48% | 2.59% | 2.59% | +14 bps | |
| Efficiency Ratio | 90.59% | 84.95% | 81.78% | 83.56% | 85.16% | -543 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.19% | 0.81% | 4.71% | 3.66% | 2.13% | +432 bps | |
| Loan Growth (YoY) | -2.58% | -2.19% | -2.01% | -0.35% | -0.03% | +255 bps | |
| Share Growth (YoY) | -2.88% | 1.22% | 5.53% | 4.27% | 3.19% | +607 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.31% | 0.21% | 0.33% | 0.38% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.36% | 0.31% | 0.33% | 0.31% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.55% | 12.07% | 12.13% | 12.61% | 12.79% | +24 bps | |
| Net Worth / Assets | 12.55% | 12.07% | 12.13% | 12.61% | 12.79% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.97% | 67.30% | 67.35% | 70.88% | 70.69% | -227 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |