Tupelo, MS · Charter 20564
Q3 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -0.06% | -0.19% | 0.46% | 0.64% | +96 bps | |
| Return on Equity | -1.96% | -0.39% | -1.17% | 2.61% | 3.49% | +545 bps | |
| Net Interest Margin | 3.04% | 3.06% | 3.68% | 4.22% | 4.32% | +127 bps | |
| Efficiency Ratio | 110.17% | 101.94% | 105.03% | 89.58% | 85.95% | -2,423 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.21% | -1.02% | -8.69% | -12.05% | -9.17% | -495 bps | |
| Loan Growth (YoY) | -1.05% | -10.08% | -24.39% | -4.10% | 4.89% | +594 bps | |
| Share Growth (YoY) | -4.62% | -1.08% | -10.38% | -14.50% | -11.63% | -701 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.17% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.44% | 0.47% | 0.38% | 0.37% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.11% | 15.74% | 16.46% | 17.76% | 18.41% | +230 bps | |
| Net Worth / Assets | 16.11% | 15.74% | 16.46% | 17.76% | 18.41% | +230 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.12% | 27.35% | 26.95% | 35.77% | 38.12% | +600 bps | |
| Liquid Assets / Assets | 71.29% | 75.50% | 75.85% | 0.00% | 0.00% | -7,129 bps | |