Gulfport, MS · Charter 61570
Q1 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.28% | -1.78% | -1.55% | -0.63% | -0.04% | +324 bps | |
| Return on Equity | -28.98% | -15.18% | -15.39% | -7.09% | -0.39% | +2,859 bps | |
| Net Interest Margin | 4.70% | 4.79% | 4.20% | 3.72% | 4.19% | -51 bps | |
| Efficiency Ratio | 75.79% | 81.31% | 85.79% | 72.27% | 58.46% | -1,733 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.45% | -7.74% | 15.42% | 25.50% | 10.59% | +1,404 bps | |
| Loan Growth (YoY) | -3.11% | -6.04% | -6.52% | -3.83% | -2.86% | +25 bps | |
| Share Growth (YoY) | -0.68% | -5.04% | 7.81% | 20.74% | 17.43% | +1,811 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.74% | 2.53% | 4.57% | 2.57% | 4.23% | +149 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.29% | 1.75% | 2.80% | 2.25% | +113 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.32% | 11.71% | 10.08% | 8.94% | 9.72% | -160 bps | |
| Net Worth / Assets | 11.32% | 11.71% | 10.08% | 8.94% | 9.72% | -160 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.98% | 64.31% | 57.85% | 51.10% | 51.28% | -1,071 bps | |
| Liquid Assets / Assets | 30.02% | 30.29% | 31.04% | 25.58% | 47.18% | +1,716 bps | |