Leadville, CO · Charter 65971
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.20% | 0.46% | 0.94% | 0.95% | 1.20% | +341 bps | |
| Return on Equity | -16.72% | 3.26% | 6.50% | 6.40% | 8.02% | +2,473 bps | |
| Net Interest Margin | 7.32% | 6.65% | 6.57% | 6.49% | 6.15% | -117 bps | |
| Efficiency Ratio | 66.47% | 54.09% | 58.85% | 63.21% | 76.54% | +1,007 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.24% | -1.30% | 0.35% | -1.04% | -0.11% | +213 bps | |
| Loan Growth (YoY) | -9.56% | -7.47% | 10.64% | 6.58% | 11.73% | +2,129 bps | |
| Share Growth (YoY) | -1.88% | -1.04% | 0.04% | -2.41% | -1.96% | -8 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.40% | 3.62% | 4.77% | 5.01% | 2.78% | -162 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.34% | 3.34% | 3.11% | 3.46% | 2.21% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.18% | 14.10% | 14.53% | 14.83% | 14.99% | +181 bps | |
| Net Worth / Assets | 13.18% | 14.10% | 14.53% | 14.83% | 14.99% | +181 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.50% | 75.46% | 83.89% | 80.45% | 84.90% | +1,040 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |