Washington, PA · Charter 19209
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.05% | -1.00% | 0.05% | -11.45% | 0.04% | +209 bps | |
| Return on Equity | -8.48% | -4.05% | 0.21% | -76.30% | 0.28% | +875 bps | |
| Net Interest Margin | 4.04% | 3.99% | 3.87% | 3.95% | 3.55% | -49 bps | |
| Efficiency Ratio | 90.32% | 93.75% | 83.78% | 364% | 98.87% | +855 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.00% | -18.51% | -6.71% | -5.28% | -5.71% | +730 bps | |
| Loan Growth (YoY) | -11.79% | -9.09% | -9.48% | -25.53% | -19.24% | -745 bps | |
| Share Growth (YoY) | -16.67% | -23.30% | -9.08% | 7.42% | 6.20% | +2,286 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.98% | 0.00% | 2.20% | 2.26% | +226 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.03% | 3.29% | 1.86% | 2.12% | 0.49% | -254 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.18% | 24.71% | 25.03% | 15.00% | 14.86% | -931 bps | |
| Net Worth / Assets | 24.18% | 24.71% | 25.03% | 15.00% | 14.86% | -931 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.33% | 66.66% | 68.22% | 55.74% | 53.48% | -1,685 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |