El Paso, TX · Charter 60711
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.32% | -10.67% | -5.68% | -4.47% | -8.16% | -584 bps | |
| Return on Equity | -26.11% | -684% | -4457% | n/a | n/a | n/a | |
| Net Interest Margin | 6.86% | 7.82% | 6.51% | 6.55% | 6.40% | -46 bps | |
| Efficiency Ratio | 53.60% | 54.61% | 101.46% | 93.09% | 99.32% | +4,572 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.73% | 0.34% | -9.75% | -18.29% | -24.88% | -4,561 bps | |
| Loan Growth (YoY) | 17.84% | 1.64% | -14.15% | -27.24% | -38.13% | -5,597 bps | |
| Share Growth (YoY) | 11.49% | 5.50% | 4.35% | -4.64% | -7.12% | -1,861 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.30% | 5.36% | 4.36% | 3.43% | 2.89% | -341 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.80% | 11.96% | 7.66% | 6.94% | 8.38% | +257 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.88% | 1.56% | 0.13% | -0.58% | -4.32% | -1,320 bps | |
| Net Worth / Assets | 8.88% | 1.56% | 0.13% | -0.58% | -4.32% | -1,320 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.45% | 98.70% | 85.01% | 79.50% | 72.24% | -3,621 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |