Badin, NC · Charter 19647
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | -0.15% | -0.24% | -0.28% | -0.41% | -35 bps | |
| Return on Equity | -0.33% | -0.87% | -1.36% | -1.66% | -2.37% | -204 bps | |
| Net Interest Margin | 2.70% | 2.59% | 2.38% | 2.34% | 2.38% | -32 bps | |
| Efficiency Ratio | 97.89% | 102.43% | 109.81% | 111.83% | 116.92% | +1,904 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.91% | -1.09% | -8.20% | -3.07% | -2.08% | +83 bps | |
| Loan Growth (YoY) | -26.36% | -29.67% | -28.87% | -31.53% | -26.17% | +19 bps | |
| Share Growth (YoY) | -3.46% | -1.05% | -9.45% | -3.22% | -1.94% | +152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.91% | 1.19% | 0.30% | 0.56% | 3.37% | +247 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.65% | 0.70% | 0.78% | 0.81% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.45% | 17.18% | 17.55% | 17.01% | 17.32% | -13 bps | |
| Net Worth / Assets | 17.45% | 17.18% | 17.55% | 17.01% | 17.32% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.55% | 34.71% | 33.26% | 29.10% | 29.03% | -952 bps | |
| Liquid Assets / Assets | 65.99% | 69.18% | 70.39% | 73.76% | 73.99% | +800 bps | |