Nogales, AZ · Charter 63670
Q2 2007
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.61% | 0.91% | 0.10% | 0.25% | +2 bps | |
| Return on Equity | 2.04% | 4.45% | 6.75% | 0.68% | 1.65% | -39 bps | |
| Net Interest Margin | 6.92% | 8.54% | 7.94% | 7.05% | 7.29% | +38 bps | |
| Efficiency Ratio | 86.69% | 84.56% | 87.60% | 95.29% | 94.25% | +756 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.03% | -21.05% | -12.24% | -15.63% | -21.66% | -1,662 bps | |
| Loan Growth (YoY) | -12.55% | -13.17% | -10.92% | -11.06% | -19.82% | -728 bps | |
| Share Growth (YoY) | -6.10% | -23.99% | -15.00% | -19.01% | -25.18% | -1,907 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.84% | 2.67% | 1.13% | 0.69% | 0.70% | -214 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 1.56% | 1.40% | 1.63% | 1.06% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.93% | 13.72% | 13.52% | 14.57% | 14.93% | +400 bps | |
| Net Worth / Assets | 10.93% | 13.72% | 13.52% | 14.57% | 14.93% | +400 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.07% | 96.03% | 83.99% | 82.87% | 77.23% | +516 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |