PackageTrendsPeer
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Hum

Washington, DC · Charter 16300

Q1 2010

$153KAssets
$5KLoans
$130KShares
$23KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.69%, up 80 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.09%, up 205 bps from a year ago.
  • Funding: loans stand at 4.19% of shares as of Q1 2010.

Financial Results

Return on Assets (quarter, annualized)

1.69%+80 bps YoY

Net Interest Margin (quarter, annualized)

3.05%+54 bps YoY

Efficiency Ratio (quarter, annualized)

44.52%-1,978 bps YoY

Net Worth / Assets

15.09%+205 bps YoY

Discrete quarter, annualized.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets0.90%1.25%0.21%0.04%1.69%+80 bps
Return on Equity6.87%9.39%1.45%0.31%11.22%+435 bps
Net Interest Margin2.51%2.48%1.81%1.59%3.05%+54 bps
Efficiency Ratio64.30%49.52%88.41%97.19%44.52%-1,978 bps
Growth
Asset Growth (YoY)6.48%10.32%5.40%3.37%-12.55%-1,903 bps
Loan Growth (YoY)-9.76%-18.22%-15.84%-23.72%-21.20%-1,145 bps
Share Growth (YoY)8.09%12.12%7.77%3.91%-14.61%-2,270 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.54%5.44%4.61%5.24%5.77%+122 bps
Capital
Risk-Based Capital13.04%13.36%14.52%14.60%15.09%+205 bps
Net Worth / Assets13.04%13.36%14.52%14.60%15.09%+205 bps
Liquidity & Funding
Loans / Shares4.54%3.78%5.10%4.55%4.19%-35 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps