Brevard, NC · Charter 61938
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Brevard, NC · Charter 61938
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.82% | -0.76% | -4.98% | -0.87% | -0.15% | +67 bps | |
| Return on Equity | -9.55% | -8.46% | -68.37% | -10.78% | -1.79% | +776 bps | |
| Net Interest Margin | 3.08% | 3.29% | 3.05% | 3.18% | 3.23% | +15 bps | |
| Efficiency Ratio | 94.41% | 94.40% | 164.11% | 75.89% | 73.36% | -2,104 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.95% | -8.59% | -9.75% | -6.55% | 1.58% | +653 bps | |
| Loan Growth (YoY) | -3.42% | -6.57% | -7.51% | -8.68% | -8.56% | -514 bps | |
| Share Growth (YoY) | -4.51% | -7.02% | -10.56% | -7.88% | 0.10% | +460 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.58% | 2.39% | 3.74% | 4.40% | 2.55% | +97 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.57% | 0.63% | 0.73% | 0.81% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.56% | 8.95% | 7.28% | 8.08% | 8.22% | -34 bps | |
| Net Worth / Assets | 8.56% | 8.95% | 7.28% | 8.08% | 8.22% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.45% | 84.61% | 79.26% | 78.14% | 75.32% | -713 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |