Radford, VA · Charter 15162
Q4 2006
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.47% | 0.40% | -2.83% | -3.54% | -364 bps | |
| Return on Equity | 1.28% | 5.11% | 4.14% | -36.62% | -47.56% | -4,884 bps | |
| Net Interest Margin | 4.28% | 4.85% | 5.13% | 4.77% | 6.07% | +179 bps | |
| Efficiency Ratio | 97.24% | 92.32% | 93.60% | 119.16% | 128.62% | +3,138 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.29% | -6.01% | -12.69% | -11.22% | -24.70% | -3,099 bps | |
| Loan Growth (YoY) | -1.24% | 13.99% | 12.11% | 4.21% | 6.90% | +813 bps | |
| Share Growth (YoY) | 7.14% | -6.96% | -14.53% | -10.66% | -24.65% | -3,179 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.22% | 0.69% | 3.94% | 1.22% | +88 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 0.92% | 0.87% | 3.03% | 3.15% | +216 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.00% | 9.21% | 9.70% | 7.72% | 7.45% | -55 bps | |
| Net Worth / Assets | 8.00% | 9.21% | 9.70% | 7.72% | 7.45% | -55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.04% | 59.45% | 64.13% | 64.93% | 69.58% | +2,054 bps | |
| Liquid Assets / Assets | 49.18% | 40.19% | 0.00% | 0.00% | 0.00% | -4,918 bps | |