Washington, DC · Charter 19528
Q2 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.48% | 0.94% | -0.69% | -0.33% | -97 bps | |
| Return on Equity | 4.74% | 3.49% | 6.25% | -4.69% | -2.32% | -706 bps | |
| Net Interest Margin | 1.93% | 1.45% | 4.47% | 4.12% | 4.28% | +234 bps | |
| Efficiency Ratio | 65.32% | 50.70% | 66.37% | 89.38% | 93.30% | +2,798 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.41% | 0.57% | -2.42% | -5.02% | -1.83% | -524 bps | |
| Loan Growth (YoY) | -6.02% | 0.48% | -2.31% | -16.70% | -16.82% | -1,080 bps | |
| Share Growth (YoY) | 2.52% | -0.62% | -3.64% | -6.38% | -2.00% | -453 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.01% | 2.20% | 2.45% | 0.76% | 1.43% | +42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.47% | 0.83% | 1.76% | 2.32% | +184 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.52% | 13.78% | 15.03% | 14.62% | 14.12% | +60 bps | |
| Net Worth / Assets | 13.52% | 13.78% | 15.03% | 14.62% | 14.12% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.10% | 48.04% | 50.50% | 44.31% | 38.28% | -682 bps | |
| Liquid Assets / Assets | 60.19% | 57.75% | 16.96% | 61.21% | 0.00% | -6,019 bps | |