Wagram, NC · Charter 60495
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | -7.73% | -3.89% | -2.55% | -2.19% | -142 bps | |
| Return on Equity | -7.35% | -83.46% | -40.68% | -24.68% | -19.91% | -1,256 bps | |
| Net Interest Margin | 4.03% | 4.28% | 4.48% | 4.74% | 4.99% | +96 bps | |
| Efficiency Ratio | 103.64% | 101.72% | 93.57% | 91.59% | 93.31% | -1,033 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.06% | -6.15% | -8.92% | -14.41% | -20.56% | -2,962 bps | |
| Loan Growth (YoY) | -12.14% | -10.74% | -5.71% | -2.24% | 2.63% | +1,477 bps | |
| Share Growth (YoY) | 11.13% | -4.43% | -9.26% | -16.19% | -21.26% | -3,239 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.79% | 5.17% | 2.40% | 1.67% | 2.91% | -487 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 3.22% | 2.80% | 2.00% | 2.19% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.49% | 9.26% | 9.56% | 10.34% | 11.02% | +52 bps | |
| Net Worth / Assets | 10.49% | 9.26% | 9.56% | 10.34% | 11.02% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.42% | 60.71% | 64.17% | 72.04% | 77.45% | +1,803 bps | |
| Liquid Assets / Assets | 29.10% | 31.66% | 26.45% | 23.11% | 17.03% | -1,206 bps | |