Reno, NV · Charter 68269
Q2 2009
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.92% | -3.92% | -3.55% | -6.70% | -3.90% | -198 bps | |
| Return on Equity | -25.07% | -62.93% | -58.87% | -159.18% | -94.96% | -6,990 bps | |
| Net Interest Margin | 3.91% | 4.33% | 4.47% | 4.31% | 4.36% | +45 bps | |
| Efficiency Ratio | 92.25% | 88.38% | 88.58% | 71.92% | 78.88% | -1,338 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.36% | -7.53% | -13.46% | -9.00% | -10.31% | -1,466 bps | |
| Loan Growth (YoY) | 0.80% | -10.30% | -15.57% | -20.44% | -23.93% | -2,472 bps | |
| Share Growth (YoY) | 2.99% | -0.36% | -0.90% | -0.36% | -3.67% | -666 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 0.47% | 1.15% | 1.24% | 2.07% | +90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.40% | 2.75% | 2.77% | 3.79% | 4.50% | +310 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.67% | 6.23% | 6.03% | 4.21% | 4.11% | -356 bps | |
| Net Worth / Assets | 7.67% | 6.23% | 6.03% | 4.21% | 4.11% | -356 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.44% | 99.09% | 93.10% | 82.83% | 79.32% | -2,112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |