PackageTrendsPeer
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Choice

Greensboro, NC · Charter 24820

Q4 2009

$46.3MAssets
$43.0MLoans
$44.3MShares
$1.7MNet 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 -3.58%; NIM at 4.91%.
  • Asset quality: problem loans at 2.63% of loans.
  • Capital: net worth / assets of 3.72%.
  • Funding: loans stand at 97.09% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-3.58%

Net Interest Margin (YTD, annualized)

4.91%

Efficiency Ratio (YTD, annualized)

89.51%

Net Worth / Assets

3.72%

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-2.70%-3.58%n/a
Return on Equity-53.46%-96.03%n/a
Net Interest Margin4.62%4.91%n/a
Efficiency Ratio78.25%89.51%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans2.53%2.63%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans1.91%2.19%n/a
Capital
Risk-Based Capital5.04%3.72%n/a
Net Worth / Assets5.04%3.72%n/a
Liquidity & Funding
Loans / Shares95.72%97.09%n/a
Liquid Assets / Assets0.00%0.00%n/a