Miami, FL · Charter 24624
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.65% | 0.91% | 5.06% | 1.70% | -4.12% | +152 bps | |
| Return on Equity | -154.54% | 9.90% | 67.25% | 28.76% | n/a | n/a | |
| Net Interest Margin | 6.09% | 6.22% | 4.80% | 5.07% | 5.82% | -27 bps | |
| Efficiency Ratio | 104.28% | 77.71% | 79.74% | 88.82% | 118.95% | +1,467 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.07% | 5.37% | -4.48% | -1.14% | -16.72% | -2,179 bps | |
| Loan Growth (YoY) | -12.76% | -17.36% | -22.93% | -30.69% | -31.17% | -1,841 bps | |
| Share Growth (YoY) | 9.92% | 5.77% | -7.53% | 2.51% | -8.74% | -1,865 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.66% | 1.48% | 1.16% | 3.38% | 2.62% | -204 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.45% | 3.00% | 3.50% | 4.74% | 4.15% | +70 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.66% | 9.19% | 7.53% | 5.90% | -2.80% | -646 bps | |
| Net Worth / Assets | 3.66% | 9.19% | 7.53% | 5.90% | -2.80% | -646 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.43% | 63.03% | 48.99% | 48.36% | 46.34% | -1,510 bps | |
| Liquid Assets / Assets | 26.50% | 20.77% | 36.16% | 37.90% | 41.22% | +1,473 bps | |