Orlando, FL · Charter 10029
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 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.
Orlando, FL · Charter 10029
Q3 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.44% | -0.80% | -0.26% | -0.33% | -83 bps | |
| Return on Equity | 5.32% | 4.47% | -8.58% | -2.82% | -3.34% | -866 bps | |
| Net Interest Margin | 4.00% | 4.13% | 3.91% | 3.89% | 4.43% | +42 bps | |
| Efficiency Ratio | 88.21% | 88.64% | 98.08% | 94.95% | 96.45% | +825 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.06% | -3.85% | -3.31% | -1.99% | -7.10% | -704 bps | |
| Loan Growth (YoY) | -1.39% | 2.80% | 4.29% | 4.72% | 3.43% | +481 bps | |
| Share Growth (YoY) | -2.98% | -6.49% | -4.65% | -0.67% | -7.99% | -501 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 1.15% | 0.63% | 0.72% | 1.39% | +68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.53% | 0.68% | 0.63% | 0.60% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.40% | 9.75% | 9.33% | 9.06% | 9.92% | +52 bps | |
| Net Worth / Assets | 9.40% | 9.75% | 9.33% | 9.06% | 9.92% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.08% | 87.08% | 84.70% | 82.22% | 94.51% | +1,043 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |