Rtp, NC · Charter 61929
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.81% | 0.08% | 0.35% | 0.59% | +13 bps | |
| Return on Equity | 4.10% | 7.03% | 0.68% | 3.00% | 4.75% | +64 bps | |
| Net Interest Margin | 3.49% | 3.46% | 3.10% | 3.46% | 3.65% | +16 bps | |
| Efficiency Ratio | 81.28% | 77.43% | 90.77% | 86.15% | 80.51% | -77 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.63% | 17.88% | 8.65% | 1.09% | 2.56% | -606 bps | |
| Loan Growth (YoY) | 7.61% | 7.01% | 5.68% | 8.05% | 8.71% | +109 bps | |
| Share Growth (YoY) | 9.05% | 19.85% | 8.82% | 0.13% | 1.37% | -768 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.92% | 0.64% | 0.42% | 0.40% | 0.79% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.20% | 0.22% | 0.21% | 0.23% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.24% | 11.55% | 11.17% | 11.71% | 12.38% | +114 bps | |
| Net Worth / Assets | 11.24% | 11.55% | 11.17% | 11.71% | 12.38% | +114 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.76% | 87.55% | 83.09% | 90.23% | 94.12% | +635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |