Phoenix, AZ · Charter 20724
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Phoenix, AZ · Charter 20724
Q4 2005
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | 4.01% | 1.71% | 1.25% | -6.09% | -589 bps | |
| Return on Equity | -1.61% | 31.64% | 12.51% | 8.87% | -34.77% | -3,317 bps | |
| Net Interest Margin | 4.91% | 6.01% | 6.16% | 6.31% | 3.81% | -109 bps | |
| Efficiency Ratio | 91.45% | 55.81% | 71.25% | 74.66% | 178.39% | +8,694 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.70% | 11.24% | 9.64% | -11.31% | -47.08% | -6,078 bps | |
| Loan Growth (YoY) | -11.21% | -15.05% | 10.18% | 12.85% | -16.25% | -503 bps | |
| Share Growth (YoY) | 16.68% | 12.11% | 10.82% | -13.21% | -54.69% | -7,137 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.58% | 1.71% | 1.17% | 0.99% | 3.44% | -114 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.11% | 6.93% | 6.84% | 6.95% | 8.96% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.48% | 12.66% | 13.68% | 14.06% | 17.50% | +502 bps | |
| Net Worth / Assets | 12.48% | 12.66% | 13.68% | 14.06% | 17.50% | +502 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.11% | 42.92% | 47.21% | 51.03% | 87.09% | +3,998 bps | |
| Liquid Assets / Assets | 59.48% | 62.24% | 57.76% | 55.05% | 34.01% | -2,546 bps | |