Miami, FL · Charter 60565
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | -0.04% | 0.10% | -0.18% | -0.23% | -57 bps | |
| Return on Equity | 3.40% | -0.42% | 1.00% | -1.89% | -2.25% | -565 bps | |
| Net Interest Margin | 2.75% | 2.60% | 2.67% | 2.68% | 2.91% | +16 bps | |
| Efficiency Ratio | 97.87% | 101.06% | 97.48% | 95.82% | 89.99% | -788 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.62% | 5.13% | 3.33% | 4.29% | -4.41% | -1,203 bps | |
| Loan Growth (YoY) | -10.27% | -7.61% | -6.40% | -7.57% | -12.69% | -242 bps | |
| Share Growth (YoY) | 7.63% | 5.27% | 3.52% | 5.53% | -4.55% | -1,218 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.48% | 0.77% | 2.39% | 3.51% | 2.37% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.73% | 0.73% | 1.40% | 1.59% | +70 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.92% | 9.67% | 9.99% | 9.62% | 10.15% | +23 bps | |
| Net Worth / Assets | 9.92% | 9.67% | 9.99% | 9.62% | 10.15% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.04% | 43.21% | 43.31% | 41.25% | 42.12% | -393 bps | |
| Liquid Assets / Assets | 56.45% | 58.58% | 58.63% | 60.35% | 59.58% | +313 bps | |