Rock Hill, SC · Charter 60706
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.60% | -0.25% | -0.05% | -0.05% | 1.39% | +199 bps | |
| Return on Equity | -4.17% | -1.72% | -0.37% | -0.32% | 10.01% | +1,418 bps | |
| Net Interest Margin | 4.01% | 4.02% | 4.21% | 4.30% | 5.81% | +179 bps | |
| Efficiency Ratio | 107.38% | 100.50% | 96.66% | 97.15% | 72.71% | -3,467 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.20% | 0.67% | -2.10% | 1.25% | 3.27% | +547 bps | |
| Loan Growth (YoY) | 2.07% | 1.39% | 0.04% | -3.04% | -11.08% | -1,316 bps | |
| Share Growth (YoY) | -2.13% | 1.47% | -1.42% | 2.40% | 5.53% | +766 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 2.75% | 2.08% | 4.15% | 4.50% | +377 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 1.08% | 0.88% | 0.92% | 0.83% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.37% | 14.34% | 14.50% | 14.64% | 13.85% | -53 bps | |
| Net Worth / Assets | 14.37% | 14.34% | 14.50% | 14.64% | 13.85% | -53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.39% | 84.75% | 86.49% | 84.88% | 74.48% | -1,392 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |