Pembroke Pines, FL · Charter 24782
Q3 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | -0.31% | -1.12% | -1.10% | -2.05% | -197 bps | |
| Return on Equity | -0.50% | -1.78% | -6.81% | -6.68% | -13.04% | -1,255 bps | |
| Net Interest Margin | 5.36% | 5.53% | 4.55% | 4.70% | 4.72% | -64 bps | |
| Efficiency Ratio | 91.93% | 91.61% | 93.65% | 96.81% | 98.89% | +696 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -7.50% | -7.28% | -4.61% | -4.72% | n/a | |
| Loan Growth (YoY) | n/a | -18.82% | -14.34% | -11.19% | -3.30% | n/a | |
| Share Growth (YoY) | n/a | -8.75% | -8.15% | -4.72% | -3.77% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 2.47% | 1.74% | 2.00% | 2.32% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.96% | 1.98% | 2.10% | 2.64% | +116 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.70% | 17.34% | 16.45% | 16.45% | 15.74% | -96 bps | |
| Net Worth / Assets | 16.70% | 17.34% | 16.45% | 16.45% | 15.74% | -96 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.67% | 76.64% | 71.23% | 72.95% | 76.04% | +37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |