Moffat, CO · Charter 68191
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 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.
Moffat, CO · Charter 68191
Q4 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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.28% | -0.38% | -2.32% | -2.83% | -2.93% | -164 bps | |
| Return on Equity | -37.65% | -12.38% | -105.67% | -161.56% | -255% | -21,714 bps | |
| Net Interest Margin | 5.15% | 5.15% | 5.58% | 5.45% | 5.76% | +62 bps | |
| Efficiency Ratio | 103.91% | 93.88% | 71.16% | 89.94% | 96.20% | -771 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.67% | -17.41% | -13.53% | -11.41% | -14.13% | +54 bps | |
| Loan Growth (YoY) | -15.88% | -12.83% | -6.77% | -5.93% | -6.57% | +931 bps | |
| Share Growth (YoY) | -12.11% | -15.47% | -13.92% | -18.80% | -20.17% | -806 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.45% | 6.46% | 5.05% | 5.38% | 8.09% | -336 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.61% | 3.00% | 4.18% | 4.67% | 5.33% | +272 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.41% | 3.04% | 2.19% | 1.75% | 1.15% | -226 bps | |
| Net Worth / Assets | 3.41% | 3.04% | 2.19% | 1.75% | 1.15% | -226 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.33% | 90.76% | 97.43% | 100.73% | 101.04% | +1,471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |