Concord, NC · Charter 60653
Q3 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.22% | 0.91% | 0.23% | 0.00% | -8 bps | |
| Return on Equity | 0.73% | 2.07% | 8.53% | 2.24% | -0.05% | -78 bps | |
| Net Interest Margin | 5.84% | 6.35% | 6.26% | 5.92% | 5.88% | +4 bps | |
| Efficiency Ratio | 95.69% | 92.46% | 86.52% | 95.58% | 99.50% | +381 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.77% | -7.29% | -6.44% | 0.01% | 2.45% | +422 bps | |
| Loan Growth (YoY) | -1.16% | -4.29% | -3.00% | -3.48% | -6.96% | -580 bps | |
| Share Growth (YoY) | -1.78% | -4.09% | -7.33% | 0.00% | 1.82% | +360 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.00% | 0.75% | 1.10% | 1.59% | +133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.28% | 0.35% | 0.45% | 0.49% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.99% | 10.52% | 10.62% | 10.11% | 9.95% | -5 bps | |
| Net Worth / Assets | 9.99% | 10.52% | 10.62% | 10.11% | 9.95% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.64% | 99.02% | 94.15% | 87.63% | 84.65% | -799 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |