PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arrowood Association

Charlotte, NC · Charter 24750

Q3 2005

$4.4MAssets
$3.8MLoans
$3.9MShares
$451KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.64%; NIM at 5.46%.
  • Asset quality: problem loans at 1.32% of loans.
  • Capital: net worth / assets of 10.28%.
  • Funding: loans stand at 97.42% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.64%

Net Interest Margin (YTD, annualized)

5.46%

Efficiency Ratio (YTD, annualized)

85.74%

Net Worth / Assets

10.28%

Year to date, annualized, through each quarter.

MetricQ3 2005YoY ΔTrend
Earnings
Return on Assets0.64%n/an/a
Return on Equity6.26%n/an/a
Net Interest Margin5.46%n/an/a
Efficiency Ratio85.74%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans1.32%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans0.29%n/an/a
Capital
Risk-Based Capital10.28%n/an/a
Net Worth / Assets10.28%n/an/a
Liquidity & Funding
Loans / Shares97.42%n/an/a
Liquid Assets / Assets6.75%n/an/a