Decatur, AL · Charter 14559
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.56% | 0.74% | 0.70% | 0.82% | +32 bps | |
| Return on Equity | 5.50% | 5.75% | 7.64% | 6.83% | 7.50% | +200 bps | |
| Net Interest Margin | 3.06% | 3.27% | 3.24% | 3.48% | 3.78% | +72 bps | |
| Efficiency Ratio | 85.09% | 84.49% | 80.90% | 82.56% | 80.93% | -416 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.88% | -0.51% | -1.64% | -3.35% | -10.72% | -1,560 bps | |
| Loan Growth (YoY) | 9.89% | 7.06% | 6.13% | 10.45% | 10.62% | +73 bps | |
| Share Growth (YoY) | 4.74% | -1.19% | -2.46% | -4.46% | -12.71% | -1,744 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 0.99% | 1.42% | 0.96% | 0.90% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.93% | 0.97% | 0.89% | 0.82% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.10% | 9.67% | 9.63% | 10.25% | 10.99% | +189 bps | |
| Net Worth / Assets | 9.10% | 9.67% | 9.63% | 10.25% | 10.99% | +189 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.12% | 61.98% | 58.12% | 67.29% | 77.45% | +1,633 bps | |
| Liquid Assets / Assets | 34.39% | 35.52% | 39.92% | 37.52% | 28.87% | -552 bps | |