Winston-Salem, NC · Charter 60929
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.76% | -0.57% | -0.70% | -0.72% | -1.81% | -105 bps | |
| Return on Equity | -3.78% | -2.81% | -3.33% | -3.56% | -8.94% | -516 bps | |
| Net Interest Margin | 2.45% | 2.51% | 2.65% | 2.64% | 2.82% | +37 bps | |
| Efficiency Ratio | 116.79% | 110.92% | 108.84% | 109.43% | 156.23% | +3,944 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.14% | -8.17% | -10.60% | -4.45% | -5.35% | +78 bps | |
| Loan Growth (YoY) | 1.96% | -4.39% | -9.54% | -12.63% | -10.51% | -1,247 bps | |
| Share Growth (YoY) | -7.26% | -9.63% | -12.51% | -4.65% | -5.38% | +187 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.54% | 1.35% | 1.30% | 1.63% | +78 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.17% | 0.41% | 0.71% | 0.70% | +32 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.15% | 20.38% | 20.99% | 20.33% | 20.30% | +15 bps | |
| Net Worth / Assets | 20.15% | 20.38% | 20.99% | 20.33% | 20.30% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.07% | 50.76% | 51.76% | 48.10% | 48.30% | -277 bps | |
| Liquid Assets / Assets | 50.83% | 39.28% | 38.27% | 41.57% | 40.84% | -999 bps | |