Hollywood, MD · Charter 19620
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.58% | -44.41% | -1.86% | -1.94% | -7.77% | -619 bps | |
| Return on Equity | -7.04% | -310% | -9.39% | n/a | n/a | n/a | |
| Net Interest Margin | 17.33% | 5.47% | 7.29% | 7.60% | 30.42% | +1,309 bps | |
| Efficiency Ratio | 108.68% | 912% | 125.33% | 125.33% | 125.33% | +1,666 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.92% | -23.68% | -10.68% | -34.97% | -37.51% | -4,243 bps | |
| Loan Growth (YoY) | -0.78% | 7.32% | -12.46% | -45.88% | -48.57% | -4,779 bps | |
| Share Growth (YoY) | 9.30% | -13.44% | -5.07% | 49.70% | 41.54% | +3,224 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 68.17% | 0.00% | 20.08% | 20.08% | +2,008 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.28% | 2.48% | 1.70% | 2.70% | 2.70% | -658 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.44% | 14.35% | 19.83% | -75.67% | -75.67% | -9,811 bps | |
| Net Worth / Assets | 22.44% | 14.35% | 19.83% | -75.67% | -75.67% | -9,811 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.82% | 89.64% | 66.99% | 26.82% | 26.82% | -4,699 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |