De Land, FL · Charter 61275
Q3 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 1.02% | 0.86% | 1.09% | 1.00% | +1 bps | |
| Return on Equity | 6.82% | 6.98% | 5.75% | 6.98% | 6.40% | -42 bps | |
| Net Interest Margin | 3.48% | 3.59% | 4.07% | 4.31% | 4.18% | +70 bps | |
| Efficiency Ratio | 74.75% | 74.79% | 63.08% | 64.70% | 66.06% | -868 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.93% | 10.02% | 8.15% | 4.16% | -0.04% | -997 bps | |
| Loan Growth (YoY) | 67.98% | 60.97% | 67.61% | 18.53% | -3.23% | -7,121 bps | |
| Share Growth (YoY) | 12.04% | 10.42% | 10.42% | 3.70% | -2.70% | -1,474 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.61% | 0.42% | 1.08% | 0.59% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.37% | 0.70% | 0.74% | 1.20% | +43 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.54% | 14.65% | 14.88% | 15.67% | 15.58% | +105 bps | |
| Net Worth / Assets | 14.54% | 14.65% | 14.88% | 15.67% | 15.58% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.75% | 40.58% | 39.70% | 40.50% | 38.54% | -21 bps | |
| Liquid Assets / Assets | 31.84% | 34.74% | 33.05% | 64.19% | 32.04% | +20 bps | |