Ft. Lauderdale, FL · Charter 12462
Q4 2006
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | 0.32% | 0.23% | 0.21% | -2.02% | -203 bps | |
| Return on Equity | 0.08% | 1.77% | 1.16% | 0.96% | -9.55% | -963 bps | |
| Net Interest Margin | 4.14% | 4.40% | 4.79% | 5.07% | 5.18% | +104 bps | |
| Efficiency Ratio | 92.19% | 93.98% | 96.07% | 96.70% | 130.87% | +3,868 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.11% | -4.02% | -14.44% | -23.45% | -25.31% | -2,543 bps | |
| Loan Growth (YoY) | -15.12% | -13.73% | -23.18% | -24.23% | -18.51% | -339 bps | |
| Share Growth (YoY) | 0.06% | -5.24% | -17.82% | -30.29% | -30.10% | -3,016 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.71% | 0.73% | 0.62% | 1.83% | 1.37% | -34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.60% | 2.85% | 3.18% | 2.94% | 4.88% | +228 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.28% | 18.17% | 19.98% | 21.50% | 21.12% | +384 bps | |
| Net Worth / Assets | 17.28% | 18.17% | 19.98% | 21.50% | 21.12% | +384 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.83% | 28.24% | 28.55% | 31.59% | 33.61% | +478 bps | |
| Liquid Assets / Assets | 45.85% | 46.54% | 0.00% | 0.00% | 0.00% | -4,585 bps | |