Hot Springs, AR · Charter 24426
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 | -1.33% | 0.11% | 0.13% | -0.18% | -7.89% | -655 bps | |
| Return on Equity | -10.09% | 0.90% | 1.03% | -1.48% | -80.90% | -7,081 bps | |
| Net Interest Margin | 3.89% | 3.50% | 3.53% | 3.61% | 3.31% | -58 bps | |
| Efficiency Ratio | 84.76% | 75.33% | 82.20% | 100.37% | 347% | +26,235 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.18% | 18.45% | 16.61% | 16.01% | 9.66% | -452 bps | |
| Loan Growth (YoY) | 30.81% | 18.55% | -1.16% | -5.79% | -8.58% | -3,939 bps | |
| Share Growth (YoY) | 16.65% | 21.19% | 19.31% | 19.68% | 14.17% | -248 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 1.61% | 2.46% | 1.89% | 1.86% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.16% | 0.21% | 0.25% | 0.27% | 0.10% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.23% | 12.62% | 12.75% | 12.05% | 9.75% | -348 bps | |
| Net Worth / Assets | 13.23% | 12.62% | 12.75% | 12.05% | 9.75% | -348 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.20% | 72.04% | 72.69% | 70.55% | 63.42% | -1,578 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |