Little Rock, AR · Charter 1878
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -13.45% | -6.36% | -6.17% | -10.19% | -8.32% | +513 bps | |
| Return on Equity | -173.53% | -78.64% | -66.10% | -209% | -334% | -16,042 bps | |
| Net Interest Margin | 5.14% | 5.32% | 6.26% | 7.24% | 6.64% | +150 bps | |
| Efficiency Ratio | 91.76% | 88.53% | 104.58% | 115.89% | 117.33% | +2,557 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.33% | -7.77% | -25.88% | -26.83% | -22.89% | -1,956 bps | |
| Loan Growth (YoY) | -16.98% | -20.50% | -19.39% | -16.98% | -8.70% | +828 bps | |
| Share Growth (YoY) | 1.38% | -4.85% | -25.08% | -21.00% | -18.72% | -2,011 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.77% | 4.73% | 6.89% | 6.73% | 5.72% | -206 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.11% | 5.50% | 5.95% | 5.14% | 7.50% | +239 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.75% | 8.08% | 9.33% | 4.88% | 2.49% | -526 bps | |
| Net Worth / Assets | 7.75% | 8.08% | 9.33% | 4.88% | 2.49% | -526 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.36% | 61.16% | 74.88% | 75.83% | 72.30% | +794 bps | |
| Liquid Assets / Assets | 41.00% | 44.05% | 32.33% | 27.50% | 31.58% | -943 bps | |