Glyndon, MD · Charter 11467
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.72% | -3.62% | -5.94% | -4.08% | -2.74% | +98 bps | |
| Return on Equity | -45.47% | -52.37% | -113.79% | -69.93% | -54.55% | -907 bps | |
| Net Interest Margin | 3.89% | 3.69% | 4.11% | 4.46% | 4.54% | +65 bps | |
| Efficiency Ratio | 111.73% | 110.32% | 89.97% | 99.44% | 113.52% | +179 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.92% | 4.34% | -5.06% | -8.63% | -6.12% | -1,104 bps | |
| Loan Growth (YoY) | -2.58% | -0.75% | -5.76% | -5.17% | -6.38% | -381 bps | |
| Share Growth (YoY) | 7.80% | 8.73% | 0.54% | -4.32% | -1.29% | -909 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.21% | 5.16% | 5.14% | 9.15% | 9.38% | -83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.51% | 0.43% | 2.56% | 2.30% | 2.37% | +86 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.18% | 6.91% | 5.22% | 5.83% | 5.02% | -315 bps | |
| Net Worth / Assets | 8.18% | 6.91% | 5.22% | 5.83% | 5.02% | -315 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.00% | 72.50% | 75.09% | 76.51% | 72.08% | -392 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |