Miami, FL · Charter 24593
Q4 2014
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 8.72% | -10.88% | -10.21% | -10.90% | -22.41% | -3,113 bps | |
| Return on Equity | 41.48% | -60.49% | -57.75% | -64.57% | -276% | -31,714 bps | |
| Net Interest Margin | 1.12% | 0.83% | 0.88% | 0.95% | 1.16% | +5 bps | |
| Efficiency Ratio | 57.61% | 677% | 606% | 597% | 932% | +87,430 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.48% | -13.79% | -30.64% | -36.74% | -31.95% | -1,347 bps | |
| Loan Growth (YoY) | -15.01% | -13.22% | -3.93% | -10.05% | -10.07% | +495 bps | |
| Share Growth (YoY) | -28.35% | -21.64% | -35.01% | -37.04% | -20.56% | +778 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.79% | 0.17% | 0.00% | 1.01% | 0.56% | -623 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.85% | 6.68% | 6.00% | 5.87% | 5.35% | -350 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.01% | 17.99% | 17.68% | 16.88% | 8.13% | -1,288 bps | |
| Net Worth / Assets | 21.01% | 17.99% | 17.68% | 16.88% | 8.13% | -1,288 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.86% | 12.48% | 13.86% | 15.07% | 15.70% | +183 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |