Naples, FL · Charter 16478
Q2 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.05% | -1.27% | -0.20% | 0.26% | -2.67% | -162 bps | |
| Return on Equity | -10.87% | -12.32% | -1.75% | 2.20% | -24.93% | -1,406 bps | |
| Net Interest Margin | 1.80% | 1.96% | 2.69% | 3.14% | 4.43% | +263 bps | |
| Efficiency Ratio | 133.74% | 135.63% | 85.41% | 61.16% | 45.34% | -8,839 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.08% | -11.42% | -14.17% | -18.17% | -16.39% | -2,147 bps | |
| Loan Growth (YoY) | -0.15% | -3.75% | -1.56% | 4.70% | -5.88% | -574 bps | |
| Share Growth (YoY) | 6.83% | -11.69% | -14.20% | -20.16% | -16.69% | -2,353 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.16% | 2.78% | 4.72% | 4.67% | 2.83% | -33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 1.14% | 1.49% | 1.98% | 4.24% | +298 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.66% | 10.31% | 11.16% | 11.93% | 10.70% | +104 bps | |
| Net Worth / Assets | 9.66% | 10.31% | 11.16% | 11.93% | 10.70% | +104 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.32% | 49.87% | 52.16% | 56.49% | 55.72% | +640 bps | |
| Liquid Assets / Assets | 15.88% | 17.02% | 51.20% | 47.74% | 0.00% | -1,588 bps | |