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Alamosa

Alamosa, CO · Charter 64854

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Alamosa

Alamosa, CO · Charter 64854

Q3 2010

$5.9MAssets
$4.2MLoans
$5.4MShares
$572KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -5.09%, up 133 bps year over year; NIM at 6.05%.
  • Asset quality: problem loans at 3.24% of loans (+175 bps YoY).
  • Capital: net worth / assets of 9.64%, down 60 bps from a year ago.
  • Funding: loans stand at 79.14% of shares as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-5.09%+133 bps YoY

Net Interest Margin (YTD, annualized)

6.05%+9 bps YoY

Efficiency Ratio (YTD, annualized)

91.38%-20,881 bps YoY

Net Worth / Assets

9.64%-60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-6.42%-4.35%-3.47%-13.05%-5.09%+133 bps
Return on Equity-62.65%-37.36%-29.90%-148.66%-52.82%+984 bps
Net Interest Margin5.97%6.79%6.80%6.39%6.05%+9 bps
Efficiency Ratio300%120.91%104.51%75.79%91.38%-20,881 bps
Growth
Asset Growth (YoY)-12.22%-21.90%-19.02%-15.32%-23.05%-1,082 bps
Loan Growth (YoY)-14.26%-17.42%-17.30%-17.30%-31.34%-1,708 bps
Share Growth (YoY)-10.19%-22.15%-18.43%-14.73%-22.45%-1,226 bps
Asset Quality
Delinquent Loans / Loans1.49%2.35%1.86%0.37%3.24%+175 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.27%1.73%1.56%6.08%2.40%+113 bps
Capital
Risk-Based Capital10.25%11.63%11.61%8.78%9.64%-60 bps
Net Worth / Assets10.25%11.63%11.61%8.78%9.64%-60 bps
Liquidity & Funding
Loans / Shares89.39%95.84%93.25%87.86%79.14%-1,025 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps