Clearwater, FL · Charter 17010
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.32% | 0.36% | 0.42% | -0.06% | -66 bps | |
| Return on Equity | 4.78% | 2.57% | 2.91% | 3.31% | -0.53% | -531 bps | |
| Net Interest Margin | 4.07% | 4.28% | 4.15% | 4.15% | 3.27% | -79 bps | |
| Efficiency Ratio | 90.11% | 95.33% | 94.90% | 93.44% | 98.28% | +817 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.13% | 3.00% | 7.26% | 2.83% | 2.54% | -1,159 bps | |
| Loan Growth (YoY) | 2.95% | 13.43% | 3.01% | 1.39% | -4.60% | -755 bps | |
| Share Growth (YoY) | 15.37% | 2.58% | 7.93% | 2.74% | 3.49% | -1,188 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.57% | 0.71% | 0.77% | 1.75% | +109 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.89% | 0.80% | 0.79% | 1.09% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.44% | 12.60% | 12.37% | 12.58% | 12.07% | -37 bps | |
| Net Worth / Assets | 12.44% | 12.60% | 12.37% | 12.58% | 12.07% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.45% | 54.66% | 51.49% | 50.87% | 48.35% | -410 bps | |
| Liquid Assets / Assets | 27.76% | 25.73% | 24.48% | 28.69% | 33.89% | +613 bps | |