Phoenix, AZ · Charter 24075
Q1 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 5.43% | 5.89% | 6.51% | 6.88% | 5.97% | +53 bps | |
| Efficiency Ratio | 95.29% | 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 / Loans | 4.65% | 11.80% | 8.42% | 9.50% | 3.96% | -69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 20.18% | 18.75% | 18.47% | 16.16% | +1,404 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.76% | 7.72% | 7.89% | 7.94% | 6.89% | -987 bps | |
| Net Worth / Assets | 16.76% | 7.72% | 7.89% | 7.94% | 6.89% | -987 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.90% | 60.42% | 64.09% | 62.63% | 56.76% | -715 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |