Spartanburg, SC · Charter 14897
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.50% | 0.17% | 0.26% | 0.01% | -75 bps | |
| Return on Equity | 6.45% | 4.15% | 1.51% | 2.35% | 0.12% | -633 bps | |
| Net Interest Margin | 4.41% | 4.53% | 4.38% | 4.09% | 3.98% | -43 bps | |
| Efficiency Ratio | 86.08% | 85.78% | 90.60% | 95.08% | 99.75% | +1,368 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.77% | 19.50% | 24.16% | 16.36% | 9.39% | -438 bps | |
| Loan Growth (YoY) | 7.33% | 1.07% | 1.13% | 2.31% | 4.52% | -281 bps | |
| Share Growth (YoY) | 15.24% | 22.20% | 28.15% | 18.78% | 11.11% | -413 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 1.71% | 1.64% | 0.22% | 1.15% | -80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 1.03% | 0.77% | 0.36% | 0.36% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.82% | 11.97% | 11.46% | 10.88% | 10.62% | -120 bps | |
| Net Worth / Assets | 11.82% | 11.97% | 11.46% | 10.88% | 10.62% | -120 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.27% | 65.94% | 64.09% | 62.37% | 61.39% | -387 bps | |
| Liquid Assets / Assets | 32.12% | 31.42% | 32.41% | 33.32% | 34.95% | +283 bps | |