Orlando, FL · Charter 18327
Q4 2014
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.45% | 0.55% | -0.16% | 0.01% | -0.95% | -50 bps | |
| Return on Equity | -5.82% | 7.21% | -2.00% | 0.12% | -15.00% | -918 bps | |
| Net Interest Margin | 5.50% | 5.42% | 5.83% | 5.23% | 5.19% | -31 bps | |
| Efficiency Ratio | 81.74% | 68.12% | 74.38% | 74.08% | 78.20% | -354 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 43.11% | 13.93% | 3.47% | 7.75% | 5.66% | -3,745 bps | |
| Loan Growth (YoY) | 14.49% | 6.23% | -2.52% | -8.17% | -3.42% | -1,791 bps | |
| Share Growth (YoY) | 63.03% | 12.66% | 3.86% | 9.39% | 7.77% | -5,526 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.75% | 1.79% | 1.76% | 3.01% | 3.15% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.40% | 2.43% | 2.63% | 2.72% | 3.37% | +97 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.66% | 7.56% | 8.00% | 7.29% | 6.30% | -136 bps | |
| Net Worth / Assets | 7.66% | 7.56% | 8.00% | 7.29% | 6.30% | -136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.20% | 81.72% | 89.96% | 78.18% | 78.15% | -905 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |