Durham, NC · Charter 14159
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.30% | -2.12% | -1.59% | 0.00% | -566% | -56,236 bps | |
| Return on Equity | -3.53% | -2.26% | -1.70% | 0.00% | -566% | -56,213 bps | |
| Net Interest Margin | 0.21% | 0.14% | 0.10% | 0.00% | 0.00% | -21 bps | |
| Efficiency Ratio | 1699% | 1641% | 1641% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -71.63% | 0.04% | -6.41% | -3.94% | -99.86% | -2,822 bps | |
| Loan Growth (YoY) | -100.00% | n/a | n/a | n/a | n/a | n/a | |
| Share Growth (YoY) | -97.64% | 276% | 0.00% | 0.00% | -100.00% | -236 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Risk-Based Capital | 93.59% | 93.59% | 93.59% | 93.59% | 100.00% | +641 bps | |
| Net Worth / Assets | 93.59% | 93.59% | 93.59% | 93.59% | 100.00% | +641 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |