Bethesda, MD · Charter 24136
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bethesda, MD · Charter 24136
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 | 0.20% | 1.15% | 0.03% | 0.27% | -0.15% | -35 bps | |
| Return on Equity | 2.44% | 12.30% | 0.26% | 2.73% | -1.61% | -404 bps | |
| Net Interest Margin | 1.03% | 2.25% | 1.40% | 1.80% | 1.41% | +38 bps | |
| Efficiency Ratio | 81.38% | 52.79% | 98.37% | 85.88% | 109.71% | +2,832 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.60% | -9.61% | -19.37% | -22.00% | -16.30% | -1,690 bps | |
| Loan Growth (YoY) | -15.01% | -13.30% | 1.72% | -23.34% | -13.12% | +189 bps | |
| Share Growth (YoY) | -0.76% | -10.75% | -20.99% | -23.60% | -17.27% | -1,651 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.08% | 2.99% | 4.28% | +428 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.74% | 0.70% | 0.85% | 0.94% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.02% | 9.35% | 9.71% | 9.94% | 9.32% | +130 bps | |
| Net Worth / Assets | 8.02% | 9.35% | 9.71% | 9.94% | 9.32% | +130 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.13% | 46.82% | 53.27% | 44.07% | 38.99% | +186 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |