Refugio, TX · Charter 9167
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | -0.72% | 0.00% | 0.02% | 0.12% | -17 bps | |
| Return on Equity | 0.80% | -1.96% | -0.01% | 0.04% | 0.47% | -33 bps | |
| Net Interest Margin | 4.23% | 3.55% | 3.21% | 3.38% | 1.21% | -301 bps | |
| Efficiency Ratio | 93.06% | 92.94% | 82.27% | 84.89% | 89.86% | -320 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -39.99% | -15.56% | -18.08% | -11.46% | 45.38% | +8,537 bps | |
| Loan Growth (YoY) | -62.25% | -48.53% | -53.15% | -55.63% | -100.00% | -3,775 bps | |
| Share Growth (YoY) | -50.88% | -20.95% | -24.40% | -15.45% | 69.98% | +12,086 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.98% | 5.38% | 6.85% | 8.30% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 36.79% | 36.94% | 38.38% | 42.87% | 26.29% | -1,050 bps | |
| Net Worth / Assets | 36.79% | 36.94% | 38.38% | 42.87% | 26.29% | -1,050 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.90% | 43.43% | 35.95% | 35.80% | 0.00% | -4,590 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |