Elizabethtown, NC · Charter 22316
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.00% | -4.26% | -4.78% | -6.34% | -6.71% | +29 bps | |
| Return on Equity | -46.80% | -29.25% | -35.46% | -48.78% | -63.44% | -1,664 bps | |
| Net Interest Margin | 2.31% | 1.89% | 1.74% | 1.81% | 1.20% | -111 bps | |
| Efficiency Ratio | 241% | 268% | 193.79% | 349% | 1519% | +127,802 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.95% | -17.71% | -17.04% | -12.20% | -8.29% | +1,066 bps | |
| Loan Growth (YoY) | -30.64% | -25.22% | -22.67% | -30.12% | -15.05% | +1,559 bps | |
| Share Growth (YoY) | -18.76% | -17.18% | -15.67% | -8.21% | -3.96% | +1,480 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.28% | 18.65% | 19.30% | 13.17% | 12.58% | -69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 1.99% | 3.70% | 1.93% | 3.34% | +141 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.96% | 14.57% | 13.48% | 13.00% | 10.57% | -439 bps | |
| Net Worth / Assets | 14.96% | 14.57% | 13.48% | 13.00% | 10.57% | -439 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.01% | 26.62% | 25.76% | 27.61% | 23.89% | -312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |