Helena, AR · Charter 24590
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Helena, AR · Charter 24590
Q4 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | -0.87% | -2.52% | -4.30% | -3.23% | -425 bps | |
| Return on Equity | 20.39% | -17.82% | -65.38% | -161.92% | -121.44% | -14,184 bps | |
| Net Interest Margin | 8.41% | 9.02% | 8.05% | 9.72% | 7.29% | -113 bps | |
| Efficiency Ratio | 89.87% | 109.06% | 127.77% | 123.94% | 123.94% | +3,407 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.50% | 3.63% | 3.45% | -10.87% | -15.19% | -1,870 bps | |
| Loan Growth (YoY) | -4.00% | 5.13% | 0.41% | -35.99% | -36.28% | -3,228 bps | |
| Share Growth (YoY) | 4.22% | 4.25% | 3.97% | -9.80% | -13.61% | -1,782 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 25.69% | 18.30% | 22.04% | 25.96% | 25.96% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.25% | 11.83% | 12.47% | 9.50% | 9.50% | -75 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.99% | 4.90% | 3.85% | 2.66% | 2.66% | -233 bps | |
| Net Worth / Assets | 4.99% | 4.90% | 3.85% | 2.66% | 2.66% | -233 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.84% | 52.72% | 50.12% | 41.19% | 41.19% | -1,466 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |