Pittsburg, KS · Charter 67827
Q1 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.37% | 0.44% | 0.49% | 0.03% | 0.23% | +160 bps | |
| Return on Equity | -15.30% | 4.81% | 5.41% | 0.39% | 2.42% | +1,772 bps | |
| Net Interest Margin | 2.38% | 2.30% | 2.20% | 2.12% | 2.15% | -24 bps | |
| Efficiency Ratio | 74.27% | 58.54% | 63.64% | 76.85% | 86.92% | +1,264 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 26.29% | 30.01% | 34.06% | 36.40% | 0.76% | -2,553 bps | |
| Loan Growth (YoY) | -12.18% | -10.47% | -6.61% | -4.68% | -1.17% | +1,101 bps | |
| Share Growth (YoY) | 7.63% | 11.11% | 15.58% | 23.70% | 26.76% | +1,914 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.57% | 3.59% | 4.11% | 4.17% | 3.25% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.06% | 0.97% | 0.94% | 0.92% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.96% | 9.13% | 9.02% | 8.38% | 9.32% | +36 bps | |
| Net Worth / Assets | 8.96% | 9.13% | 9.02% | 8.38% | 9.32% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.17% | 35.08% | 34.47% | 31.41% | 28.98% | -819 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |