Tampa, FL · Charter 24609
Q4 2008
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | -0.06% | -0.29% | 0.41% | -0.01% | -56 bps | |
| Return on Equity | 5.70% | -0.63% | -3.40% | 4.34% | -0.06% | -576 bps | |
| Net Interest Margin | 3.03% | 2.51% | 3.13% | 3.70% | 4.83% | +181 bps | |
| Efficiency Ratio | 83.19% | 104.48% | 84.67% | 81.75% | 90.78% | +759 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 30.08% | 30.43% | 22.44% | -13.08% | -33.89% | -6,398 bps | |
| Loan Growth (YoY) | 71.87% | 98.92% | 79.57% | 20.59% | 16.12% | -5,575 bps | |
| Share Growth (YoY) | 26.59% | 26.22% | 25.11% | -9.08% | -32.90% | -5,949 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.20% | 0.15% | 0.42% | 0.42% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.01% | 4.11% | 4.00% | 4.00% | 4.08% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.78% | 10.18% | 8.43% | 9.40% | 12.25% | +247 bps | |
| Net Worth / Assets | 9.78% | 10.18% | 8.43% | 9.40% | 12.25% | +247 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.14% | 36.12% | 49.58% | 51.64% | 67.74% | +2,860 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |