Alexandria, VA · Charter 23874
Q1 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 1.13% | 1.04% | 1.10% | 2.56% | +163 bps | |
| Return on Equity | 9.19% | 11.86% | 11.08% | 11.81% | 30.09% | +2,090 bps | |
| Net Interest Margin | 2.76% | 2.80% | 2.61% | 2.55% | 3.65% | +89 bps | |
| Efficiency Ratio | 66.71% | 59.66% | 60.13% | 57.82% | 30.44% | -3,628 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.01% | 16.38% | 17.70% | 29.47% | 42.84% | +5,085 bps | |
| Loan Growth (YoY) | 42.52% | 28.07% | 50.58% | 41.67% | 51.89% | +937 bps | |
| Share Growth (YoY) | -15.22% | -5.14% | -8.68% | 22.03% | 10.34% | +2,556 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.14% | 0.95% | 0.02% | 0.00% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.27% | 0.18% | 0.17% | 0.15% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.14% | 9.54% | 9.39% | 9.31% | 8.50% | -164 bps | |
| Net Worth / Assets | 10.14% | 9.54% | 9.39% | 9.31% | 8.50% | -164 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 109.54% | 125.47% | 139.56% | 116.68% | 150.79% | +4,125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |