Raleigh, NC · Charter 16361
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Raleigh, NC · Charter 16361
Q1 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | -0.02% | -0.56% | -1.00% | 1.29% | +131 bps | |
| Return on Equity | -0.09% | -0.07% | -2.61% | -4.46% | 8.65% | +873 bps | |
| Net Interest Margin | 2.93% | 2.89% | 2.87% | 3.04% | 3.16% | +23 bps | |
| Efficiency Ratio | 100.64% | 100.50% | 99.00% | 107.57% | 61.29% | -3,935 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.13% | -5.32% | -2.76% | -3.49% | -4.96% | -83 bps | |
| Loan Growth (YoY) | -16.74% | -19.41% | -16.83% | -21.81% | -17.24% | -50 bps | |
| Share Growth (YoY) | -5.28% | -6.69% | -2.93% | -3.27% | 3.92% | +920 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.72% | 3.52% | 0.00% | 0.00% | 6.70% | +99 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.43% | 0.59% | 1.68% | 1.79% | +127 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.18% | 22.31% | 21.50% | 22.35% | 14.90% | -728 bps | |
| Net Worth / Assets | 22.18% | 22.31% | 21.50% | 22.35% | 14.90% | -728 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.07% | 28.73% | 28.44% | 27.41% | 23.95% | -612 bps | |
| Liquid Assets / Assets | 72.43% | 69.53% | 71.29% | 72.58% | 72.79% | +36 bps | |