Bradford, PA · Charter 3651
Q4 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | 0.53% | -0.21% | -0.33% | -1.15% | -82 bps | |
| Return on Equity | -0.63% | 1.07% | -0.44% | -0.70% | -2.26% | -163 bps | |
| Net Interest Margin | 2.73% | 2.60% | 2.12% | 2.10% | 1.61% | -112 bps | |
| Efficiency Ratio | 111.82% | 79.81% | 109.92% | 115.84% | 170.46% | +5,864 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.95% | 1.72% | 2.87% | 1.27% | 0.19% | +114 bps | |
| Loan Growth (YoY) | -5.33% | -23.25% | -18.83% | -22.75% | -19.51% | -1,418 bps | |
| Share Growth (YoY) | -0.98% | 5.40% | 7.83% | 4.08% | 3.05% | +403 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.00% | 5.27% | 4.47% | 1.95% | 0.00% | -500 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.84% | 0.82% | 0.92% | 0.02% | -73 bps | |
| Capital | |||||||
| Risk-Based Capital | 51.99% | 49.10% | 48.57% | 47.51% | 50.74% | -125 bps | |
| Net Worth / Assets | 51.99% | 49.10% | 48.57% | 47.51% | 50.74% | -125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.45% | 55.77% | 56.33% | 48.31% | 55.81% | -1,565 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |