Sierra Vista, AZ · Charter 10156
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sierra Vista, AZ · Charter 10156
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 1.23% | 1.53% | 1.24% | 1.18% | +7 bps | |
| Return on Equity | 12.45% | 13.22% | 15.45% | 12.88% | 12.60% | +15 bps | |
| Net Interest Margin | 3.62% | 3.64% | 3.77% | 3.66% | 3.41% | -21 bps | |
| Efficiency Ratio | 63.13% | 62.82% | 60.40% | 63.95% | 72.62% | +949 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.85% | 3.41% | 0.90% | 2.51% | 4.91% | +205 bps | |
| Loan Growth (YoY) | 10.72% | 11.66% | 5.25% | 1.27% | 0.80% | -992 bps | |
| Share Growth (YoY) | 2.05% | 2.48% | -0.61% | 1.68% | 4.33% | +228 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.31% | 0.55% | 0.41% | 0.08% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.82% | 0.77% | 0.72% | 0.67% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.97% | 9.30% | 9.90% | 9.65% | 9.40% | +43 bps | |
| Net Worth / Assets | 8.97% | 9.30% | 9.90% | 9.65% | 9.40% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.63% | 81.61% | 80.97% | 81.51% | 76.93% | -270 bps | |
| Liquid Assets / Assets | 20.67% | 0.00% | 0.00% | 0.00% | 0.00% | -2,067 bps | |