Porterville, CA · Charter 64137
Q4 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | -10.29% | -6.14% | -11.59% | -9.32% | -940 bps | |
| Return on Equity | 0.74% | -134.19% | -85.41% | -535% | -491% | -49,186 bps | |
| Net Interest Margin | 6.82% | 5.64% | 5.52% | 5.66% | 5.70% | -112 bps | |
| Efficiency Ratio | 80.47% | 391% | 127.12% | 120.11% | 121.69% | +4,122 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.58% | -7.66% | -12.42% | -11.94% | -10.31% | -674 bps | |
| Loan Growth (YoY) | -21.51% | -22.64% | -22.52% | -26.35% | -28.88% | -737 bps | |
| Share Growth (YoY) | -6.80% | -7.68% | -11.91% | -3.69% | -0.85% | +595 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.22% | 10.44% | 12.15% | 8.57% | 8.75% | -147 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.55% | 2.21% | 2.92% | 7.90% | 6.26% | +471 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.66% | 7.67% | 7.19% | 2.17% | 1.90% | -876 bps | |
| Net Worth / Assets | 10.66% | 7.67% | 7.19% | 2.17% | 1.90% | -876 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.86% | 67.75% | 64.02% | 56.54% | 52.98% | -2,088 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |