Columbia, SC · Charter 5467
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.70% | -0.95% | -1.17% | -1.37% | -11.01% | -1,270 bps | |
| Return on Equity | 10.34% | -5.30% | -6.92% | -8.08% | -65.01% | -7,535 bps | |
| Net Interest Margin | 4.24% | 4.73% | 4.39% | 4.67% | 4.65% | +41 bps | |
| Efficiency Ratio | 60.61% | 92.63% | 107.34% | 105.66% | 121.02% | +6,041 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.18% | -14.32% | -11.17% | -11.71% | -24.96% | -2,078 bps | |
| Loan Growth (YoY) | 9.94% | 10.94% | -8.08% | -20.61% | -21.56% | -3,149 bps | |
| Share Growth (YoY) | -6.12% | -17.12% | -15.44% | -12.37% | -25.33% | -1,921 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 7.78% | 14.53% | 2.49% | 10.32% | +986 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 1.13% | 1.18% | 1.95% | 5.51% | +522 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.39% | 18.00% | 16.98% | 16.99% | 16.94% | +54 bps | |
| Net Worth / Assets | 16.39% | 18.00% | 16.98% | 16.99% | 16.94% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.14% | 97.17% | 90.05% | 84.15% | 89.44% | +430 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |