Wilmington, DE · Charter 11646
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 | -0.71% | -1.85% | -0.54% | -0.15% | -0.26% | +45 bps | |
| Return on Equity | -5.57% | -15.91% | -5.39% | -1.61% | -2.30% | +327 bps | |
| Net Interest Margin | 4.49% | 4.46% | 3.53% | 3.00% | 3.71% | -79 bps | |
| Efficiency Ratio | 113.93% | 106.81% | 110.56% | 102.54% | 104.31% | -962 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.54% | -7.61% | 8.31% | 13.91% | 0.64% | +618 bps | |
| Loan Growth (YoY) | -9.10% | -15.07% | -16.61% | -21.54% | -25.59% | -1,649 bps | |
| Share Growth (YoY) | -5.52% | -6.35% | 12.39% | 17.82% | 2.25% | +777 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.12% | 2.38% | 2.23% | 4.65% | 5.01% | +189 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 1.69% | 1.87% | 2.12% | 1.93% | +107 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.73% | 11.61% | 10.04% | 9.25% | 11.18% | -155 bps | |
| Net Worth / Assets | 12.73% | 11.61% | 10.04% | 9.25% | 11.18% | -155 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.74% | 83.27% | 68.15% | 56.18% | 64.58% | -2,416 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |