PackageTrendsPeer
Letter portraitLegal landscape

Chicanos Por La Causa

Phoenix, AZ · Charter 24075

Q1 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2009, the quarter ended March 31, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chicanos Por La Causa

Phoenix, AZ · Charter 24075

Q1 2009

$3.7MAssets
$2.0MLoans
$3.4MShares
$256KNet 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 -5.62%, down 447 bps year over year; NIM at 5.97%.
  • Asset quality: problem loans at 3.96% of loans (-69 bps YoY).
  • Capital: net worth / assets of 6.89%, down 987 bps from a year ago.
  • Funding: loans stand at 56.76% of shares as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-5.62%-447 bps YoY

Net Interest Margin (YTD, annualized)

5.97%+53 bps YoY

Efficiency Ratio (YTD, annualized)

127.94%+3,264 bps YoY

Net Worth / Assets

6.89%-987 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets-1.15%-24.10%-18.29%-15.08%-5.62%-447 bps
Return on Equity-6.87%-312%-232%-189.88%-81.65%-7,478 bps
Net Interest Margin5.43%5.89%6.51%6.88%5.97%+53 bps
Efficiency Ratio95.29%108.26%113.91%115.32%127.94%+3,264 bps
Growth
Asset Growth (YoY)-8.77%-25.58%-26.43%-27.84%-29.02%-2,025 bps
Loan Growth (YoY)-9.37%-21.65%-25.11%-27.54%-29.43%-2,006 bps
Share Growth (YoY)-10.68%-19.10%-18.88%-20.05%-20.55%-986 bps
Asset Quality
Delinquent Loans / Loans4.65%11.80%8.42%9.50%3.96%-69 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.12%20.18%18.75%18.47%16.16%+1,404 bps
Capital
Risk-Based Capital16.76%7.72%7.89%7.94%6.89%-987 bps
Net Worth / Assets16.76%7.72%7.89%7.94%6.89%-987 bps
Liquidity & Funding
Loans / Shares63.90%60.42%64.09%62.63%56.76%-715 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps