Beaufort, SC · Charter 11805
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 | -1.45% | -3.16% | -3.34% | -2.16% | -2.95% | -150 bps | |
| Return on Equity | -17.79% | -44.79% | -52.10% | -36.38% | -57.19% | -3,940 bps | |
| Net Interest Margin | 3.15% | 3.47% | 3.64% | 3.84% | 4.37% | +122 bps | |
| Efficiency Ratio | 74.63% | 76.33% | 84.61% | 84.03% | 85.23% | +1,060 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.56% | 3.95% | 0.98% | -6.92% | -20.95% | -2,651 bps | |
| Loan Growth (YoY) | -3.49% | -8.01% | -9.27% | -11.90% | -17.54% | -1,405 bps | |
| Share Growth (YoY) | 6.88% | 6.39% | 4.21% | -5.15% | -18.68% | -2,555 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.21% | 2.81% | 6.78% | 5.61% | 8.01% | +280 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.13% | 3.38% | 4.21% | 4.96% | 5.10% | +297 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.14% | 7.05% | 6.42% | 5.94% | 5.16% | -298 bps | |
| Net Worth / Assets | 8.14% | 7.05% | 6.42% | 5.94% | 5.16% | -298 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.03% | 75.24% | 74.36% | 71.81% | 75.07% | +104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |