Renton, WA · Charter 24747
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.
Renton, WA · Charter 24747
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 | 0.19% | -4.10% | -1.69% | -0.33% | -6.68% | -687 bps | |
| Return on Equity | 1.01% | -24.63% | -9.85% | -1.98% | -60.37% | -6,138 bps | |
| Net Interest Margin | 3.25% | 3.08% | 3.18% | 3.05% | 2.01% | -124 bps | |
| Efficiency Ratio | 93.40% | 719% | 154.70% | 80.28% | 355% | +26,179 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.12% | 4.27% | 5.49% | 5.87% | 4.28% | +115 bps | |
| Loan Growth (YoY) | -7.52% | -5.47% | -1.58% | -0.51% | -7.71% | -19 bps | |
| Share Growth (YoY) | 5.68% | 7.63% | 8.23% | 7.52% | 13.08% | +740 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 1.99% | 3.23% | 0.66% | 0.78% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.75% | 0.77% | 0.89% | 0.79% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.51% | 16.66% | 17.17% | 16.68% | 11.07% | -744 bps | |
| Net Worth / Assets | 18.51% | 16.66% | 17.17% | 16.68% | 11.07% | -744 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.26% | 47.83% | 48.24% | 45.53% | 42.65% | -961 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |