Phoenix, AZ · Charter 65319
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Phoenix, AZ · Charter 65319
Q1 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.40% | 0.90% | 0.59% | -1.14% | -124 bps | |
| Return on Equity | 0.76% | 3.34% | 12.92% | 8.30% | -15.28% | -1,603 bps | |
| Net Interest Margin | 5.64% | 5.44% | 3.48% | 3.35% | 3.11% | -253 bps | |
| Efficiency Ratio | 70.92% | 71.17% | 68.50% | 73.22% | 110.72% | +3,980 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.24% | 6.66% | 69.26% | 82.47% | 80.01% | +7,776 bps | |
| Loan Growth (YoY) | 21.23% | 16.16% | 7.63% | 6.11% | -6.12% | -2,734 bps | |
| Share Growth (YoY) | 1.75% | -5.42% | 64.48% | 80.18% | 79.28% | +7,753 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.95% | 0.35% | 0.87% | 0.13% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.93% | 0.82% | 0.96% | 1.50% | +55 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.76% | 12.02% | 6.93% | 7.07% | 7.46% | -529 bps | |
| Net Worth / Assets | 12.76% | 12.02% | 6.93% | 7.07% | 7.46% | -529 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.77% | 115.02% | 55.68% | 53.67% | 56.96% | -5,181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |