Espanola, NM · Charter 17434
Q1 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.86% | 3.54% | 2.53% | 2.55% | -65.20% | -6,906 bps | |
| Return on Equity | 14.67% | 11.99% | 8.68% | 8.26% | -184.00% | -19,867 bps | |
| Net Interest Margin | 8.20% | 8.66% | 8.17% | 8.06% | 8.18% | -2 bps | |
| Efficiency Ratio | 42.98% | 48.36% | 52.78% | 55.70% | 127.63% | +8,465 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.32% | -13.36% | -5.77% | -11.16% | -21.12% | -1,280 bps | |
| Loan Growth (YoY) | -11.20% | -16.91% | -18.19% | -23.61% | -38.04% | -2,684 bps | |
| Share Growth (YoY) | -13.61% | -20.15% | -12.00% | -18.17% | -13.01% | +60 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.56% | 17.26% | 18.60% | 24.14% | 12.33% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.79% | 3.41% | 2.69% | 3.58% | 5.39% | +259 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.32% | 29.49% | 29.10% | 30.85% | 35.44% | +911 bps | |
| Net Worth / Assets | 26.32% | 29.49% | 29.10% | 30.85% | 35.44% | +911 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 114.34% | 115.96% | 112.00% | 115.61% | 81.43% | -3,290 bps | |
| Liquid Assets / Assets | 17.36% | 0.00% | 0.00% | 0.00% | 0.00% | -1,736 bps | |