Phoenix, AZ · Charter 60671
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 | -8.51% | -2.43% | -2.37% | -2.55% | -2.10% | +641 bps | |
| Return on Equity | -105.74% | -27.60% | -26.24% | -30.89% | -25.79% | +7,995 bps | |
| Net Interest Margin | 3.39% | 3.53% | 3.87% | 3.86% | 4.20% | +81 bps | |
| Efficiency Ratio | 103.53% | 82.48% | 84.53% | 89.56% | 97.55% | -598 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.42% | -2.16% | -5.76% | -0.28% | -10.27% | -686 bps | |
| Loan Growth (YoY) | -2.84% | -4.29% | -4.24% | -9.79% | -13.11% | -1,026 bps | |
| Share Growth (YoY) | 1.02% | 0.08% | -4.09% | 2.29% | -10.02% | -1,104 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.25% | 4.15% | 5.00% | 4.78% | 3.64% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.05% | 3.72% | 4.12% | 4.53% | 4.51% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.05% | 8.82% | 9.04% | 8.25% | 8.14% | +9 bps | |
| Net Worth / Assets | 8.05% | 8.82% | 9.04% | 8.25% | 8.14% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.11% | 87.49% | 93.61% | 87.28% | 86.05% | -306 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |