Jacksonville, FL · Charter 11051
Q4 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.67% | 0.22% | 0.82% | 1.08% | +73 bps | |
| Return on Equity | 2.53% | 4.95% | 1.66% | 6.06% | 7.39% | +486 bps | |
| Net Interest Margin | 5.10% | 4.68% | 4.76% | 4.87% | 5.09% | -1 bps | |
| Efficiency Ratio | 91.81% | 89.24% | 87.16% | 84.29% | 82.53% | -928 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.60% | -9.10% | -2.63% | -2.00% | -1.73% | +1,287 bps | |
| Loan Growth (YoY) | -5.28% | -5.27% | -3.59% | -2.20% | -3.67% | +161 bps | |
| Share Growth (YoY) | -9.08% | -4.22% | -0.28% | -2.57% | -2.34% | +674 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 0.83% | 0.47% | 0.67% | 1.02% | +33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.30% | 0.44% | 0.47% | 0.48% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.83% | 13.50% | 13.44% | 13.61% | 14.63% | +80 bps | |
| Net Worth / Assets | 13.83% | 13.50% | 13.44% | 13.61% | 14.63% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.27% | 82.56% | 82.14% | 83.46% | 85.09% | -118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |