Brighton, CO · Charter 2774
Q1 2009
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Brighton, CO · Charter 2774
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 | 0.24% | 0.28% | -0.76% | -1.27% | -1.35% | -159 bps | |
| Return on Equity | 2.34% | 2.70% | -7.96% | -14.66% | -20.46% | -2,280 bps | |
| Net Interest Margin | 3.15% | 3.21% | 3.07% | 2.93% | 2.14% | -101 bps | |
| Efficiency Ratio | 89.95% | 92.49% | 101.20% | 99.40% | 113.18% | +2,322 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.47% | 2.34% | -1.88% | -2.55% | 17.55% | +1,508 bps | |
| Loan Growth (YoY) | -7.87% | -7.33% | -6.61% | -10.53% | -12.52% | -465 bps | |
| Share Growth (YoY) | 2.49% | 2.24% | -1.19% | -1.38% | 22.30% | +1,981 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 1.80% | 2.79% | 4.23% | 3.57% | +224 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.62% | 1.51% | 1.54% | 2.75% | 2.33% | +71 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.12% | 10.27% | 9.52% | 8.64% | 6.62% | -350 bps | |
| Net Worth / Assets | 10.12% | 10.27% | 9.52% | 8.64% | 6.62% | -350 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.24% | 70.40% | 66.64% | 62.24% | 50.24% | -2,000 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |