Las Vegas, NV · Charter 86753
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
Las Vegas, NV · Charter 86753
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.51% | -2.01% | -2.33% | -9.34% | -11.42% | -991 bps | |
| Return on Equity | -18.48% | -26.77% | -32.99% | -271% | -6502% | -648,331 bps | |
| Net Interest Margin | 3.76% | 3.81% | 3.66% | 3.81% | 3.70% | -6 bps | |
| Efficiency Ratio | 94.01% | 94.87% | 105.78% | 117.54% | 144.17% | +5,015 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.31% | -7.65% | -6.93% | -13.06% | -15.96% | -1,064 bps | |
| Loan Growth (YoY) | 0.76% | -6.11% | -6.14% | -11.45% | -13.84% | -1,460 bps | |
| Share Growth (YoY) | -6.04% | -4.28% | -0.73% | -4.18% | -7.20% | -116 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.93% | 1.98% | 4.25% | 3.70% | 8.24% | +431 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.78% | 2.26% | 5.91% | 7.63% | +621 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.18% | 7.50% | 7.06% | 3.45% | 0.18% | -800 bps | |
| Net Worth / Assets | 8.18% | 7.50% | 7.06% | 3.45% | 0.18% | -800 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.78% | 106.53% | 97.66% | 98.19% | 101.00% | -778 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |