Richland, WA · Charter 13648
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Richland, WA · Charter 13648
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 | -0.66% | -0.03% | -0.21% | -0.90% | -2.25% | -158 bps | |
| Return on Equity | -11.62% | -0.45% | -3.65% | -18.60% | -53.34% | -4,172 bps | |
| Net Interest Margin | 4.23% | 4.21% | 4.27% | 4.16% | 3.91% | -33 bps | |
| Efficiency Ratio | 112.40% | 91.08% | 96.62% | 105.95% | 158.72% | +4,632 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.28% | -2.74% | 0.55% | 6.20% | 3.75% | +603 bps | |
| Loan Growth (YoY) | -4.81% | -6.17% | 1.72% | 2.21% | -1.65% | +315 bps | |
| Share Growth (YoY) | -1.56% | -1.21% | 1.77% | 7.84% | 6.34% | +790 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.00% | 2.21% | 6.04% | 6.65% | 4.58% | +158 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.29% | 0.30% | 0.56% | 0.57% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.71% | 5.81% | 5.73% | 4.85% | 4.21% | -150 bps | |
| Net Worth / Assets | 5.71% | 5.81% | 5.73% | 4.85% | 4.21% | -150 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.88% | 62.49% | 64.47% | 62.12% | 60.00% | -488 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |