Big Island, VA · Charter 16253
Q4 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 0.90% | 1.04% | 1.03% | -5.70% | -678 bps | |
| Return on Equity | 7.69% | 6.48% | 7.41% | 7.27% | -77.38% | -8,507 bps | |
| Net Interest Margin | 3.70% | 3.51% | 3.63% | 3.58% | -2.30% | -600 bps | |
| Efficiency Ratio | 72.46% | 71.75% | 69.56% | 71.53% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.51% | 4.72% | 2.53% | 2.81% | 7.43% | +492 bps | |
| Loan Growth (YoY) | 11.61% | 10.35% | 3.02% | -0.76% | -3.79% | -1,540 bps | |
| Share Growth (YoY) | 1.55% | 4.15% | 1.70% | 2.04% | 15.89% | +1,435 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.66% | 0.41% | 0.24% | 0.21% | 0.56% | -111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.15% | 0.24% | 0.28% | 0.24% | 0.25% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.04% | 13.92% | 14.05% | 14.20% | 7.37% | -667 bps | |
| Net Worth / Assets | 14.04% | 13.92% | 14.05% | 14.20% | 7.37% | -667 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.03% | 74.45% | 71.90% | 70.92% | 62.29% | -1,274 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |