Newville, AL · Charter 16093
Q4 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.61% | -4.97% | -0.38% | 0.48% | 1.53% | -108 bps | |
| Return on Equity | 12.06% | -23.88% | -1.77% | 2.14% | 6.64% | -542 bps | |
| Net Interest Margin | 6.82% | 6.18% | 6.28% | 6.40% | 6.38% | -44 bps | |
| Efficiency Ratio | 45.48% | 77.47% | 57.74% | 60.99% | 53.75% | +826 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.13% | 1.81% | 2.04% | -2.48% | 0.62% | -751 bps | |
| Loan Growth (YoY) | -0.99% | -14.85% | -0.44% | 6.02% | 21.67% | +2,266 bps | |
| Share Growth (YoY) | 6.68% | 1.46% | 1.46% | -3.45% | -1.17% | -785 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.11% | 2.30% | 7.57% | 4.52% | 6.16% | -495 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.69% | 1.56% | 1.37% | 1.43% | 1.39% | -130 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.68% | 20.82% | 21.55% | 22.41% | 23.07% | +140 bps | |
| Net Worth / Assets | 21.68% | 20.82% | 21.55% | 22.41% | 23.07% | +140 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.84% | 71.71% | 84.63% | 93.78% | 99.53% | +1,869 bps | |
| Liquid Assets / Assets | 37.60% | 43.47% | 34.17% | 28.26% | 23.72% | -1,388 bps | |