Prescott, AZ · Charter 11376
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Prescott, AZ · Charter 11376
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | -0.54% | 0.63% | 0.14% | -1.61% | -141 bps | |
| Return on Equity | -2.49% | -6.90% | 7.42% | 1.68% | -23.42% | -2,092 bps | |
| Net Interest Margin | 4.29% | 4.42% | 4.34% | 4.60% | 2.97% | -133 bps | |
| Efficiency Ratio | 94.95% | 92.74% | 87.04% | 87.28% | 116.62% | +2,167 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.71% | -2.63% | 0.54% | -0.36% | 11.87% | +1,659 bps | |
| Loan Growth (YoY) | -3.04% | 2.49% | 4.90% | 2.84% | -4.98% | -194 bps | |
| Share Growth (YoY) | -3.59% | -1.98% | 0.88% | -0.65% | 12.65% | +1,624 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 0.94% | 1.73% | 2.49% | 0.84% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.70% | 1.67% | 0.88% | 1.46% | 1.44% | -25 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.97% | 7.89% | 8.46% | 8.41% | 6.89% | -108 bps | |
| Net Worth / Assets | 7.97% | 7.89% | 8.46% | 8.41% | 6.89% | -108 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.19% | 66.58% | 66.88% | 68.07% | 54.14% | -1,004 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |