Las Vegas, NV · Charter 13431
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Las Vegas, NV · Charter 13431
Q2 2009
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.53% | -1.52% | -3.82% | -1.96% | -3.90% | -237 bps | |
| Return on Equity | -21.48% | -22.49% | -91.54% | -99.70% | -706% | -68,442 bps | |
| Net Interest Margin | 4.37% | 4.41% | 4.44% | 3.93% | 3.90% | -47 bps | |
| Efficiency Ratio | 83.84% | 83.33% | 81.71% | 84.92% | 82.91% | -93 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.44% | -9.72% | -6.40% | -1.21% | -1.23% | +720 bps | |
| Loan Growth (YoY) | -6.52% | -5.46% | -2.63% | -2.78% | -5.91% | +61 bps | |
| Share Growth (YoY) | -7.62% | -8.95% | -5.49% | 4.66% | 6.12% | +1,375 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.70% | 3.27% | 2.52% | 5.13% | 5.23% | +253 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.83% | 3.40% | 4.67% | 5.50% | +399 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.10% | 6.77% | 4.17% | 1.97% | 0.55% | -655 bps | |
| Net Worth / Assets | 7.10% | 6.77% | 4.17% | 1.97% | 0.55% | -655 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.90% | 103.78% | 103.03% | 91.20% | 86.80% | -1,110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |