Greenville, NC · Charter 60143
Q4 2007
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | -0.36% | 0.02% | 0.20% | -7.15% | -728 bps | |
| Return on Equity | 0.62% | -1.72% | 0.08% | 0.94% | -46.07% | -4,669 bps | |
| Net Interest Margin | 1.97% | 2.58% | 2.41% | 2.56% | -3.83% | -580 bps | |
| Efficiency Ratio | 93.66% | 114.15% | 99.30% | 92.04% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -7.98% | -9.02% | -8.25% | -5.81% | -9.77% | -179 bps | |
| Loan Growth (YoY) | 25.41% | -0.54% | 2.73% | 2.01% | -5.55% | -3,095 bps | |
| Share Growth (YoY) | -9.92% | -11.33% | -10.16% | -7.62% | -4.56% | +536 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.43% | 0.59% | 2.21% | 0.03% | 1.38% | -205 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.55% | 0.54% | 0.52% | 0.55% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.11% | 21.25% | 21.10% | 21.84% | 15.52% | -459 bps | |
| Net Worth / Assets | 20.11% | 21.25% | 21.10% | 21.84% | 15.52% | -459 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.00% | 63.95% | 64.45% | 64.74% | 59.37% | -62 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |