Columbia, SC · Charter 2957
Q2 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.42% | -5.74% | -5.59% | -6.36% | -2.33% | +310 bps | |
| Return on Equity | -72.08% | -87.41% | -81.28% | -110.63% | -35.99% | +3,609 bps | |
| Net Interest Margin | 4.77% | 5.08% | 5.70% | 5.09% | 5.36% | +59 bps | |
| Efficiency Ratio | 59.93% | 61.36% | 57.38% | 106.60% | 85.18% | +2,525 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.21% | -16.44% | -24.34% | -29.07% | -26.05% | -1,584 bps | |
| Loan Growth (YoY) | -14.47% | -21.21% | -27.85% | -31.79% | -33.53% | -1,905 bps | |
| Share Growth (YoY) | -8.81% | -14.31% | -22.13% | -26.80% | -25.27% | -1,646 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.29% | 4.15% | 3.87% | 4.06% | 2.08% | -22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.00% | 7.79% | 9.12% | 9.86% | 9.93% | +393 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.53% | 6.56% | 6.88% | 5.75% | 6.47% | -105 bps | |
| Net Worth / Assets | 7.53% | 6.56% | 6.88% | 5.75% | 6.47% | -105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.45% | 74.78% | 77.31% | 72.29% | 70.67% | -878 bps | |
| Liquid Assets / Assets | 27.92% | 31.72% | 30.25% | 35.99% | 0.00% | -2,792 bps | |