Newport, KY · Charter 62583
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.59% | 0.32% | -1.98% | -1.44% | -1.01% | -42 bps | |
| Return on Equity | -2.72% | 1.50% | -9.15% | -5.79% | -2.96% | -24 bps | |
| Net Interest Margin | 5.54% | 4.08% | 4.22% | 4.67% | 6.35% | +81 bps | |
| Efficiency Ratio | 101.69% | 105.56% | 117.49% | 110.50% | 100.68% | -101 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -22.70% | -27.26% | -24.49% | -25.93% | -38.41% | -1,571 bps | |
| Loan Growth (YoY) | -33.72% | -38.22% | -35.48% | -26.33% | -34.44% | -72 bps | |
| Share Growth (YoY) | -27.05% | -32.03% | -28.59% | -30.82% | -47.98% | -2,093 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 5.36% | 3.29% | 2.22% | 5.10% | +404 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.84% | 4.09% | 8.09% | 8.19% | 9.05% | +521 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.65% | 21.43% | 21.69% | 24.87% | 34.06% | +1,241 bps | |
| Net Worth / Assets | 21.65% | 21.43% | 21.69% | 24.87% | 34.06% | +1,241 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.53% | 32.47% | 33.02% | 38.92% | 48.56% | +1,003 bps | |
| Liquid Assets / Assets | 68.54% | 70.18% | 50.63% | 44.43% | 67.99% | -55 bps | |