Tombstone, AZ · Charter 11075
Q1 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.69% | -0.49% | -0.39% | -1.50% | 0.39% | +309 bps | |
| Return on Equity | -94.75% | -13.72% | -11.06% | -61.64% | 15.50% | +11,025 bps | |
| Net Interest Margin | 3.99% | 4.85% | 4.93% | 5.04% | 4.55% | +56 bps | |
| Efficiency Ratio | 104.96% | 98.16% | 100.54% | 99.75% | 91.11% | -1,385 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.32% | -9.65% | -4.43% | -16.88% | -11.06% | +26 bps | |
| Loan Growth (YoY) | -22.98% | -9.42% | -3.64% | 2.53% | 0.95% | +2,393 bps | |
| Share Growth (YoY) | -11.36% | -10.14% | -7.43% | -21.97% | -11.33% | +3 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.58% | 4.41% | 4.56% | 6.33% | 3.54% | +96 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 1.14% | 0.75% | 1.60% | 1.47% | -28 bps | |
| Capital | |||||||
| Risk-Based Capital | 2.84% | 3.59% | 3.54% | 2.43% | 2.54% | -30 bps | |
| Net Worth / Assets | 2.84% | 3.59% | 3.54% | 2.43% | 2.54% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.85% | 86.71% | 89.07% | 93.51% | 84.08% | +1,023 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |