Mirramar, FL · Charter 68486
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Mirramar, FL · Charter 68486
Q1 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.21% | -1.88% | -2.56% | -2.38% | -1.10% | +10 bps | |
| Return on Equity | -15.15% | -25.06% | -40.36% | -36.47% | -55.09% | -3,994 bps | |
| Net Interest Margin | 2.97% | 3.02% | 3.03% | 3.30% | 3.24% | +27 bps | |
| Efficiency Ratio | 85.25% | 93.58% | 100.83% | 86.15% | 60.13% | -2,512 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.68% | -15.56% | -11.42% | -7.90% | -10.86% | -217 bps | |
| Loan Growth (YoY) | -4.27% | -9.46% | -10.78% | -14.47% | -15.56% | -1,128 bps | |
| Share Growth (YoY) | 2.35% | -3.92% | -10.81% | -7.91% | -5.85% | -821 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.32% | 4.64% | 5.65% | 5.07% | 9.83% | +551 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.43% | 1.68% | 2.14% | 3.91% | +262 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.96% | 7.49% | 6.35% | 6.53% | 2.00% | -596 bps | |
| Net Worth / Assets | 7.96% | 7.49% | 6.35% | 6.53% | 2.00% | -596 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.43% | 92.68% | 96.60% | 92.48% | 82.91% | -953 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |