Myrtle Beach, SC · Charter 20399
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.30% | -0.63% | -5.19% | -1.78% | -3.07% | -277 bps | |
| Return on Equity | -1.44% | -2.84% | -26.02% | -9.64% | -16.35% | -1,490 bps | |
| Net Interest Margin | 2.54% | 2.56% | 1.73% | 2.88% | 1.62% | -92 bps | |
| Efficiency Ratio | 113.15% | 118.43% | 274% | 109.12% | 165.21% | +5,206 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.24% | -5.84% | 2.37% | 2.17% | -0.09% | -33 bps | |
| Loan Growth (YoY) | -30.48% | -20.41% | -20.01% | -11.74% | -1.14% | +2,934 bps | |
| Share Growth (YoY) | 0.55% | -5.98% | 4.96% | 3.46% | 2.63% | +208 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.03% | 1.16% | 0.16% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.35% | 0.24% | 0.24% | 0.22% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.08% | 22.01% | 19.94% | 18.44% | 18.80% | -228 bps | |
| Net Worth / Assets | 21.08% | 22.01% | 19.94% | 18.44% | 18.80% | -228 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.05% | 54.81% | 47.78% | 44.21% | 46.28% | -177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |