Boca Raton, FL · Charter 17021
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.57% | 0.73% | 0.39% | -18.27% | -1,840 bps | |
| Return on Equity | 1.06% | 4.43% | 5.48% | 2.67% | -176.35% | -17,741 bps | |
| Net Interest Margin | 4.65% | 4.71% | 4.90% | 5.48% | 4.04% | -61 bps | |
| Efficiency Ratio | 84.61% | 81.57% | 81.04% | 81.47% | 440% | +35,516 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.99% | -12.52% | -12.01% | -11.00% | -15.01% | -203 bps | |
| Loan Growth (YoY) | 4.88% | 2.44% | -2.28% | -7.86% | -7.60% | -1,248 bps | |
| Share Growth (YoY) | -14.84% | -14.58% | -14.16% | -13.06% | -12.57% | +227 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 1.59% | 0.94% | 1.12% | 0.81% | -52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.74% | 0.90% | 0.71% | 1.63% | +93 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.38% | 12.82% | 13.27% | 14.58% | 10.36% | -202 bps | |
| Net Worth / Assets | 12.38% | 12.82% | 13.27% | 14.58% | 10.36% | -202 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.45% | 85.57% | 89.39% | 97.23% | 89.25% | +480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |