Valparaiso, IN · Charter 4946
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 | -4.63% | -3.08% | -3.89% | -3.99% | -4.19% | +44 bps | |
| Return on Equity | -61.55% | -41.78% | -60.60% | -67.35% | -87.15% | -2,560 bps | |
| Net Interest Margin | 3.53% | 3.66% | 3.81% | 3.96% | 3.41% | -12 bps | |
| Efficiency Ratio | 128.12% | 109.91% | 131.04% | 138.69% | 145.31% | +1,719 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.73% | -5.15% | -8.08% | -11.87% | -11.35% | -862 bps | |
| Loan Growth (YoY) | -4.99% | -10.85% | -15.00% | -15.02% | -20.85% | -1,586 bps | |
| Share Growth (YoY) | 2.71% | -3.65% | -5.93% | -7.91% | -7.52% | -1,024 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 1.40% | 0.85% | 1.69% | 1.49% | +5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.95% | 0.94% | 1.24% | 1.38% | 1.68% | +73 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.52% | 7.36% | 6.42% | 5.93% | 4.80% | -272 bps | |
| Net Worth / Assets | 7.52% | 7.36% | 6.42% | 5.93% | 4.80% | -272 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.55% | 74.36% | 73.51% | 74.44% | 66.38% | -1,117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |