Houston, DE · Charter 15822
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | -0.03% | -0.02% | 0.36% | 1.65% | +99 bps | |
| Return on Equity | 5.44% | -0.23% | -0.15% | 2.91% | 12.03% | +659 bps | |
| Net Interest Margin | 4.30% | 4.16% | 4.22% | 4.51% | 5.09% | +79 bps | |
| Efficiency Ratio | 94.64% | 98.83% | 99.33% | 89.81% | 69.02% | -2,562 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.66% | -0.15% | 4.61% | 5.46% | -7.68% | -834 bps | |
| Loan Growth (YoY) | -12.20% | -13.99% | -6.90% | -2.71% | -1.50% | +1,070 bps | |
| Share Growth (YoY) | 0.24% | -0.26% | 5.34% | 6.06% | -9.57% | -982 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.35% | 4.58% | 4.94% | 3.25% | 5.17% | -18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.64% | 1.69% | 1.70% | 1.67% | 1.74% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.18% | 11.76% | 11.70% | 12.22% | 13.71% | +153 bps | |
| Net Worth / Assets | 12.18% | 11.76% | 11.70% | 12.22% | 13.71% | +153 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.72% | 60.78% | 62.49% | 65.69% | 70.49% | +578 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |