Redding, CA · Charter 9768
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Redding, CA · Charter 9768
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.95% | -5.09% | -5.31% | -2.88% | -4.49% | +246 bps | |
| Return on Equity | -127.80% | -91.08% | -96.36% | -57.13% | -106.42% | +2,139 bps | |
| Net Interest Margin | 3.77% | 4.26% | 4.90% | 4.98% | 6.37% | +260 bps | |
| Efficiency Ratio | 159.17% | 135.36% | 132.59% | 106.87% | 93.27% | -6,590 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.95% | -8.21% | -21.62% | -25.55% | -40.23% | -2,828 bps | |
| Loan Growth (YoY) | -12.76% | 3.16% | 8.85% | 11.27% | -18.44% | -567 bps | |
| Share Growth (YoY) | -9.25% | -4.93% | -19.10% | -23.55% | -39.45% | -3,020 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.91% | 3.59% | 1.02% | 0.00% | 0.00% | -391 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.06% | 0.24% | 0.05% | 0.14% | 3.52% | +346 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.44% | 5.59% | 5.51% | 5.05% | 4.22% | -121 bps | |
| Net Worth / Assets | 5.44% | 5.59% | 5.51% | 5.05% | 4.22% | -121 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.94% | 53.91% | 60.91% | 59.93% | 61.88% | +1,594 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |