College Park, MD · Charter 14511
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.24% | 0.23% | 0.11% | -3.32% | -375 bps | |
| Return on Equity | 2.90% | 1.67% | 1.54% | 0.78% | -24.32% | -2,722 bps | |
| Net Interest Margin | 3.49% | 3.24% | 3.26% | 3.14% | 2.96% | -52 bps | |
| Efficiency Ratio | 88.03% | 91.53% | 92.15% | 94.73% | 92.95% | +493 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.03% | -0.22% | -3.23% | -2.72% | 1.97% | +400 bps | |
| Loan Growth (YoY) | -0.68% | -6.89% | -14.06% | -5.61% | -7.03% | -635 bps | |
| Share Growth (YoY) | -3.01% | -0.74% | -4.15% | -2.96% | 2.96% | +597 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.22% | 0.56% | 1.21% | 0.69% | +45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.08% | 0.07% | 0.07% | 0.11% | 0.15% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.75% | 14.54% | 15.09% | 14.67% | 13.64% | -111 bps | |
| Net Worth / Assets | 14.75% | 14.54% | 15.09% | 14.67% | 13.64% | -111 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.50% | 59.24% | 59.53% | 58.95% | 54.63% | -587 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |