Baltimore, MD · Charter 20858
Q4 2007
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.05% | 0.17% | 0.62% | -7.55% | -6.56% | -551 bps | |
| Return on Equity | -3.28% | 0.39% | 1.40% | -8.44% | -6.56% | -328 bps | |
| Net Interest Margin | 5.78% | 3.65% | 2.63% | 4.46% | 5.97% | +20 bps | |
| Efficiency Ratio | 102.80% | 95.43% | 76.35% | -6.53% | 53.20% | -4,960 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -24.78% | -40.32% | -44.18% | -73.82% | -69.84% | -4,505 bps | |
| Loan Growth (YoY) | -40.36% | -64.60% | -77.95% | -100.00% | -100.00% | -5,964 bps | |
| Share Growth (YoY) | -32.47% | -54.17% | -58.80% | -96.22% | -100.00% | -6,753 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 30.25% | 51.33% | 90.59% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 16.66% | 28.26% | 49.90% | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 32.14% | 43.24% | 44.56% | 89.38% | 100.00% | +6,786 bps | |
| Net Worth / Assets | 32.14% | 43.24% | 44.56% | 89.38% | 100.00% | +6,786 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.77% | 32.07% | 19.08% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |