Greeley, CO · Charter 64207
Q1 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.36% | 0.97% | 0.25% | -0.86% | -32.75% | -3,138 bps | |
| Return on Equity | -13.98% | 9.39% | 2.50% | -9.67% | -2367% | -235,303 bps | |
| Net Interest Margin | 3.86% | 3.98% | 4.18% | 4.11% | 4.45% | +60 bps | |
| Efficiency Ratio | 73.20% | 72.85% | 67.04% | 74.81% | 76.29% | +309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.17% | 16.83% | 16.98% | 11.99% | -3.85% | -2,003 bps | |
| Loan Growth (YoY) | 26.04% | 29.38% | 32.00% | 26.97% | 13.95% | -1,209 bps | |
| Share Growth (YoY) | 15.75% | 18.26% | 18.77% | 15.24% | 6.80% | -896 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.52% | 4.44% | 2.44% | 6.12% | 7.25% | +473 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 1.82% | 2.38% | 2.83% | 11.98% | +1,019 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.75% | 10.36% | 10.04% | 8.90% | 1.38% | -837 bps | |
| Net Worth / Assets | 9.75% | 10.36% | 10.04% | 8.90% | 1.38% | -837 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.60% | 89.34% | 94.06% | 93.79% | 92.40% | +580 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |