Charlotte, NC · Charter 19146
Q2 2009
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.67% | -3.36% | -3.63% | -6.61% | -2.94% | -227 bps | |
| Return on Equity | -3.72% | -21.23% | -22.36% | -45.69% | -20.52% | -1,681 bps | |
| Net Interest Margin | 4.56% | 4.46% | 4.79% | 4.83% | 4.62% | +6 bps | |
| Efficiency Ratio | 124.73% | 138.98% | 138.98% | 135.88% | 112.34% | -1,239 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.13% | -3.94% | -4.97% | -5.50% | -5.42% | -129 bps | |
| Loan Growth (YoY) | -3.27% | -0.44% | -3.97% | -5.31% | -12.59% | -932 bps | |
| Share Growth (YoY) | -4.66% | -1.93% | -1.83% | -0.99% | -0.97% | +369 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.65% | 0.00% | 0.00% | 0.99% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.41% | 0.56% | 1.15% | 1.28% | +68 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.05% | 15.83% | 16.23% | 14.48% | 14.31% | -374 bps | |
| Net Worth / Assets | 18.05% | 15.83% | 16.23% | 14.48% | 14.31% | -374 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.94% | 74.63% | 81.55% | 80.79% | 72.32% | -962 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |