Loveland, CO · Charter 68232
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Loveland, CO · Charter 68232
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 | -2.88% | -4.98% | -3.47% | -4.38% | 3.87% | +675 bps | |
| Return on Equity | -30.03% | -60.20% | -36.46% | -56.63% | 43.03% | +7,306 bps | |
| Net Interest Margin | 3.75% | 3.71% | 4.18% | 4.26% | 3.80% | +6 bps | |
| Efficiency Ratio | 105.87% | 81.73% | 95.77% | 103.43% | 45.58% | -6,028 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.69% | -2.17% | -9.58% | -15.90% | -21.49% | -2,617 bps | |
| Loan Growth (YoY) | -10.72% | -15.41% | -21.10% | -20.97% | -24.98% | -1,426 bps | |
| Share Growth (YoY) | 8.77% | 1.05% | -3.95% | -11.16% | -18.58% | -2,735 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.24% | 3.90% | 1.15% | 2.70% | 2.55% | -69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 4.12% | 3.06% | 3.63% | 3.87% | +289 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.59% | 8.27% | 9.53% | 7.74% | 8.99% | -60 bps | |
| Net Worth / Assets | 9.59% | 8.27% | 9.53% | 7.74% | 8.99% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.02% | 66.09% | 69.69% | 67.55% | 63.60% | -542 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |