Pueblo, CO · Charter 2116
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.14% | -3.17% | 0.21% | 0.20% | -15 bps | |
| Return on Equity | 4.16% | 1.64% | -44.40% | 2.57% | 2.59% | -157 bps | |
| Net Interest Margin | 3.89% | 3.93% | 3.49% | 3.54% | 3.19% | -70 bps | |
| Efficiency Ratio | 89.68% | 90.12% | 92.70% | 67.37% | 74.06% | -1,562 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.61% | 3.72% | 6.26% | 4.58% | 10.36% | +375 bps | |
| Loan Growth (YoY) | -3.42% | -6.79% | -10.43% | -14.04% | -20.65% | -1,723 bps | |
| Share Growth (YoY) | 6.74% | 3.85% | 7.41% | 4.74% | 10.88% | +415 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.62% | 0.92% | 1.11% | 0.67% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.76% | 0.83% | 0.89% | 0.76% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.46% | 8.45% | 7.14% | 8.25% | 7.70% | -76 bps | |
| Net Worth / Assets | 8.46% | 8.45% | 7.14% | 8.25% | 7.70% | -76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.16% | 58.65% | 51.23% | 50.86% | 43.05% | -1,711 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |