Ft.lauderdale, FL · Charter 14393
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 | -0.03% | -1.78% | -2.15% | -4.02% | -3.20% | -316 bps | |
| Return on Equity | -0.30% | -16.91% | -22.32% | -46.40% | -42.22% | -4,192 bps | |
| Net Interest Margin | 4.14% | 4.25% | 4.27% | 4.06% | 4.06% | -8 bps | |
| Efficiency Ratio | 97.47% | 97.57% | 98.14% | 102.75% | 108.93% | +1,146 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.36% | 1.25% | 1.10% | -9.31% | -9.32% | -1,269 bps | |
| Loan Growth (YoY) | -11.19% | -9.83% | -7.93% | -8.05% | -14.74% | -355 bps | |
| Share Growth (YoY) | 3.98% | 3.69% | 4.80% | -6.06% | -6.18% | -1,016 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.62% | 1.78% | 6.22% | 5.11% | 4.16% | +154 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 3.06% | 3.62% | 5.33% | 4.53% | +384 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.40% | 10.51% | 9.61% | 8.66% | 7.57% | -383 bps | |
| Net Worth / Assets | 11.40% | 10.51% | 9.61% | 8.66% | 7.57% | -383 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.98% | 54.24% | 55.20% | 52.46% | 49.97% | -502 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |