Gaffney, SC · Charter 60764
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 | 0.77% | 1.32% | 1.07% | 0.64% | -18.95% | -1,973 bps | |
| Return on Equity | 2.57% | 4.16% | 3.42% | 1.97% | -141.33% | -14,390 bps | |
| Net Interest Margin | 4.90% | 5.25% | 4.94% | 4.35% | -13.94% | -1,885 bps | |
| Efficiency Ratio | 77.26% | 64.90% | 65.41% | 73.27% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.88% | -3.42% | -1.69% | -5.81% | -5.90% | -778 bps | |
| Loan Growth (YoY) | -2.83% | -11.09% | 0.75% | -2.18% | -9.46% | -664 bps | |
| Share Growth (YoY) | 0.89% | -6.97% | -4.15% | -10.08% | 18.19% | +1,730 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.14% | 0.62% | 5.89% | 0.07% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.75% | 3.19% | 3.36% | 3.59% | 5.50% | +275 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.07% | 31.79% | 31.17% | 32.21% | 13.41% | -1,666 bps | |
| Net Worth / Assets | 30.07% | 31.79% | 31.17% | 32.21% | 13.41% | -1,666 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.23% | 86.96% | 88.09% | 88.75% | 66.82% | -2,041 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |