Gulfport, MS · Charter 17227
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 | -8.68% | 2.59% | -11.88% | -7.59% | -8.09% | +59 bps | |
| Return on Equity | -160.73% | 41.72% | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 6.39% | 4.82% | 4.89% | 5.07% | 2.86% | -353 bps | |
| Efficiency Ratio | 92.54% | 60.96% | 75.01% | 78.68% | 128.12% | +3,559 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.23% | -10.27% | -14.97% | -9.31% | -12.37% | -314 bps | |
| Loan Growth (YoY) | -34.45% | -36.96% | -36.90% | -38.43% | -22.02% | +1,243 bps | |
| Share Growth (YoY) | -12.17% | -11.84% | -9.74% | -4.71% | -4.65% | +752 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.13% | 25.31% | 24.11% | 20.21% | 33.93% | +1,880 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.02% | 8.74% | 10.27% | 11.56% | 12.40% | +1,038 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.40% | 6.21% | -0.73% | -0.50% | -2.57% | -797 bps | |
| Net Worth / Assets | 5.40% | 6.21% | -0.73% | -0.50% | -2.57% | -797 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.70% | 53.63% | 52.28% | 47.34% | 46.37% | -1,033 bps | |
| Liquid Assets / Assets | 43.19% | 47.43% | 44.56% | 48.17% | 47.74% | +456 bps | |