Rock Hill, SC · Charter 17405
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | -1.31% | -5.05% | -2.64% | -2.20% | -187 bps | |
| Return on Equity | -1.96% | -7.95% | -32.77% | -16.34% | -13.23% | -1,127 bps | |
| Net Interest Margin | 6.04% | 5.97% | 4.74% | 4.85% | 4.92% | -112 bps | |
| Efficiency Ratio | 84.06% | 83.78% | 122.32% | 111.42% | 111.62% | +2,756 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.04% | 2.79% | -2.70% | -9.08% | -12.88% | -2,092 bps | |
| Loan Growth (YoY) | -15.96% | -20.54% | -20.46% | -22.79% | -23.66% | -770 bps | |
| Share Growth (YoY) | 8.66% | 5.85% | -0.64% | -7.66% | -12.86% | -2,152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.81% | 4.08% | 7.68% | 7.37% | 7.06% | +325 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 3.23% | 3.83% | 2.91% | 1.74% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.94% | 16.51% | 15.42% | 16.13% | 16.64% | -30 bps | |
| Net Worth / Assets | 16.94% | 16.51% | 15.42% | 16.13% | 16.64% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.60% | 82.13% | 74.94% | 74.04% | 74.99% | -1,061 bps | |
| Liquid Assets / Assets | 27.63% | 29.83% | 36.49% | 36.46% | 35.81% | +818 bps | |