Cody, WY · Charter 14802
Q3 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.61% | -1.05% | -2.06% | -1.39% | -0.90% | -29 bps | |
| Return on Equity | -10.84% | -19.02% | -51.59% | -37.04% | -25.83% | -1,499 bps | |
| Net Interest Margin | 4.96% | 4.11% | 4.00% | 4.15% | 4.33% | -63 bps | |
| Efficiency Ratio | 66.10% | 69.45% | 72.49% | 79.01% | 74.88% | +877 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.06% | 1.65% | 4.39% | -1.98% | -5.57% | -963 bps | |
| Loan Growth (YoY) | -5.31% | -7.21% | -7.98% | -7.83% | -18.32% | -1,301 bps | |
| Share Growth (YoY) | 5.17% | 3.31% | 7.18% | -0.08% | -3.29% | -846 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.33% | 4.88% | 4.53% | 4.42% | 4.14% | -219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 1.66% | 3.36% | 4.17% | 3.86% | +189 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.63% | 5.53% | 3.99% | 3.76% | 3.48% | -216 bps | |
| Net Worth / Assets | 5.63% | 5.53% | 3.99% | 3.76% | 3.48% | -216 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.48% | 68.81% | 60.71% | 60.35% | 56.15% | -1,033 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |