Brighton, CO · Charter 9890
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.
Brighton, CO · Charter 9890
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 | 0.24% | 0.28% | -2.56% | 0.15% | 0.11% | -13 bps | |
| Return on Equity | 2.45% | 2.81% | -30.51% | 1.79% | 1.28% | -117 bps | |
| Net Interest Margin | 3.59% | 3.60% | 3.23% | 2.96% | 2.84% | -75 bps | |
| Efficiency Ratio | 83.96% | 85.15% | 82.35% | 67.10% | 73.25% | -1,071 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.35% | 4.14% | 7.90% | 13.29% | 15.61% | +1,326 bps | |
| Loan Growth (YoY) | -17.08% | -21.40% | -15.54% | -12.98% | -9.85% | +724 bps | |
| Share Growth (YoY) | 2.11% | 4.54% | 9.54% | 14.00% | 17.04% | +1,493 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.02% | 0.12% | 0.29% | 0.02% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.49% | 0.56% | 0.51% | 0.51% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.68% | 9.87% | 8.38% | 8.66% | 8.54% | -114 bps | |
| Net Worth / Assets | 9.68% | 9.87% | 8.38% | 8.66% | 8.54% | -114 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.96% | 56.68% | 51.33% | 46.48% | 44.64% | -1,331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |