Riverton, WY · Charter 9048
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Riverton, WY · Charter 9048
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | -1.35% | -1.65% | -1.64% | -1.12% | -114 bps | |
| Return on Equity | 0.11% | -7.30% | -10.04% | -9.42% | -5.93% | -605 bps | |
| Net Interest Margin | 3.32% | 1.65% | 2.63% | 3.16% | 3.45% | +13 bps | |
| Efficiency Ratio | 83.36% | 176.72% | 118.06% | 124.69% | 112.75% | +2,940 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.10% | 0.36% | 1.99% | 1.99% | -4.69% | -259 bps | |
| Loan Growth (YoY) | -7.25% | -21.41% | -32.03% | -32.42% | -28.64% | -2,140 bps | |
| Share Growth (YoY) | -2.71% | 1.03% | 3.61% | 4.50% | -4.17% | -146 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.93% | 8.83% | 3.90% | 3.62% | 2.46% | -247 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.90% | 1.14% | 1.13% | 1.12% | +36 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.02% | 18.44% | 16.48% | 17.41% | 18.84% | -18 bps | |
| Net Worth / Assets | 19.02% | 18.44% | 16.48% | 17.41% | 18.84% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.32% | 52.14% | 38.54% | 42.32% | 46.41% | -1,592 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |