Alamosa, CO · Charter 64854
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 5.97% | 6.79% | 6.80% | 6.39% | 6.05% | +9 bps | |
| Efficiency Ratio | 300% | 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 / Loans | 1.49% | 2.35% | 1.86% | 0.37% | 3.24% | +175 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 1.73% | 1.56% | 6.08% | 2.40% | +113 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.25% | 11.63% | 11.61% | 8.78% | 9.64% | -60 bps | |
| Net Worth / Assets | 10.25% | 11.63% | 11.61% | 8.78% | 9.64% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.39% | 95.84% | 93.25% | 87.86% | 79.14% | -1,025 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |