Apple Valley, CA · Charter 7366
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 | -5.96% | -9.99% | -12.01% | -47.20% | -34.91% | -2,895 bps | |
| Return on Equity | -67.29% | -186.37% | -625% | n/a | n/a | n/a | |
| Net Interest Margin | 3.01% | 3.24% | 3.42% | 2.44% | 1.95% | -105 bps | |
| Efficiency Ratio | 101.79% | 118.84% | 121.03% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -12.88% | -20.22% | -22.22% | -34.87% | -40.10% | -2,722 bps | |
| Loan Growth (YoY) | -14.25% | -18.99% | -19.18% | -28.05% | -40.92% | -2,667 bps | |
| Share Growth (YoY) | -10.82% | -20.29% | -27.97% | -27.39% | -25.71% | -1,488 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 20.45% | 27.29% | 35.28% | 25.54% | 17.59% | -286 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.18% | 6.30% | 8.68% | 11.57% | 4.45% | +127 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.86% | 5.36% | 1.92% | -9.45% | -15.03% | -2,389 bps | |
| Net Worth / Assets | 8.86% | 5.36% | 1.92% | -9.45% | -15.03% | -2,389 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.80% | 91.34% | 101.28% | 83.81% | 68.23% | -1,757 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |