Newark, DE · Charter 15181
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 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.
Newark, DE · Charter 15181
Q1 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.41% | 2.10% | 2.24% | -17.62% | -2.38% | -479 bps | |
| Return on Equity | 6.18% | 5.37% | 5.43% | -52.63% | -6.35% | -1,253 bps | |
| Net Interest Margin | 7.13% | 6.73% | 7.17% | 8.60% | 4.29% | -285 bps | |
| Efficiency Ratio | 66.28% | 69.08% | 68.98% | 71.17% | 154.38% | +8,810 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.21% | -0.03% | -2.70% | -25.78% | -34.03% | -3,183 bps | |
| Loan Growth (YoY) | -0.06% | -3.61% | -3.94% | -21.19% | -43.33% | -4,327 bps | |
| Share Growth (YoY) | -6.88% | -2.83% | -8.23% | -20.61% | -34.80% | -2,792 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.64% | 6.38% | 6.37% | 4.18% | 0.00% | -364 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.37% | 1.45% | 1.45% | 17.74% | 9.38% | +801 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.93% | 39.09% | 41.18% | 33.48% | 37.47% | -146 bps | |
| Net Worth / Assets | 38.93% | 39.09% | 41.18% | 33.48% | 37.47% | -146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.96% | 92.98% | 99.25% | 94.37% | 85.14% | -1,281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |