Columbia, SC · Charter 60919
Q4 2009
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 0.01% | 1.29% | 0.98% | 0.61% | -46 bps | |
| Return on Equity | 8.43% | 0.10% | 11.16% | 8.41% | 5.34% | -309 bps | |
| Net Interest Margin | 3.69% | 2.97% | 2.99% | 3.04% | 3.06% | -63 bps | |
| Efficiency Ratio | 77.77% | 91.04% | 71.58% | 74.85% | 79.10% | +132 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.39% | 7.89% | 7.58% | 9.13% | 9.93% | +154 bps | |
| Loan Growth (YoY) | 3.36% | 4.03% | 1.06% | -1.17% | 1.01% | -234 bps | |
| Share Growth (YoY) | 5.85% | 8.23% | 7.55% | 10.56% | 11.52% | +567 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 0.78% | 0.73% | 0.74% | 0.73% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.87% | 1.00% | 1.06% | 1.20% | +35 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.66% | 11.12% | 11.56% | 11.62% | 11.42% | -123 bps | |
| Net Worth / Assets | 12.66% | 11.12% | 11.56% | 11.62% | 11.42% | -123 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.26% | 73.99% | 72.16% | 72.52% | 73.61% | -766 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |