Tucson, AZ · Charter 64370
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tucson, AZ · Charter 64370
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 | -0.95% | -2.75% | -0.64% | -0.23% | -0.42% | +53 bps | |
| Return on Equity | -8.67% | -29.96% | -7.09% | -2.48% | -4.67% | +400 bps | |
| Net Interest Margin | 3.38% | 3.23% | 3.04% | 3.14% | 3.29% | -8 bps | |
| Efficiency Ratio | 93.40% | 94.24% | 94.79% | 88.81% | 90.19% | -321 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.26% | 8.54% | 11.65% | 16.85% | 15.83% | +1,357 bps | |
| Loan Growth (YoY) | -0.67% | 3.93% | 0.33% | 6.15% | 5.99% | +666 bps | |
| Share Growth (YoY) | 3.50% | 11.04% | 13.87% | 19.51% | 18.66% | +1,516 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 1.85% | 2.45% | 1.13% | 0.69% | -52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 1.27% | 1.40% | 1.31% | 1.22% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.94% | 9.18% | 9.04% | 9.14% | 9.02% | -192 bps | |
| Net Worth / Assets | 10.94% | 9.18% | 9.04% | 9.14% | 9.02% | -192 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.29% | 70.68% | 66.08% | 68.75% | 69.93% | -836 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |