Washington, DC · Charter 15220
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.
Washington, DC · Charter 15220
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 | -0.76% | -0.22% | 1.64% | 6.97% | 4.48% | +524 bps | |
| Return on Equity | -5.83% | -1.57% | 12.11% | 43.76% | 27.81% | +3,364 bps | |
| Net Interest Margin | 0.73% | 0.94% | 2.20% | 8.33% | 5.18% | +445 bps | |
| Efficiency Ratio | 194.48% | 121.76% | 26.53% | 16.91% | 14.01% | -18,047 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.05% | -7.19% | 2.52% | -2.24% | -5.17% | +89 bps | |
| Loan Growth (YoY) | 47.83% | 29.76% | 124.80% | 77.13% | -17.69% | -6,551 bps | |
| Share Growth (YoY) | -8.64% | -10.70% | -0.93% | -4.69% | -8.60% | +4 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 1.50% | 1.14% | 3.66% | 0.00% | -143 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.90% | 5.52% | 4.31% | 4.73% | 5.96% | +105 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.97% | 13.73% | 13.58% | 15.94% | 16.13% | +316 bps | |
| Net Worth / Assets | 12.97% | 13.73% | 13.58% | 15.94% | 16.13% | +316 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 21.59% | 19.47% | 24.06% | 23.34% | 19.44% | -215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |