Enka, NC · Charter 62602
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.69% | -0.62% | -1.76% | -0.69% | -1.69% | -99 bps | |
| Return on Equity | -3.90% | -3.64% | -11.07% | -4.39% | -12.05% | -816 bps | |
| Net Interest Margin | 2.47% | 2.36% | 2.35% | 2.12% | 2.14% | -33 bps | |
| Efficiency Ratio | 82.40% | 92.37% | 146.55% | 130.50% | 141.32% | +5,892 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.04% | 13.56% | 7.06% | 1.34% | 7.22% | +118 bps | |
| Loan Growth (YoY) | -1.15% | 2.66% | 1.13% | -1.15% | -3.47% | -232 bps | |
| Share Growth (YoY) | 8.59% | 18.36% | 11.11% | 3.23% | 12.62% | +403 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.13% | 7.03% | 4.84% | 3.30% | 4.97% | -316 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.61% | 0.62% | 0.61% | 1.73% | +110 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.83% | 17.02% | 15.87% | 15.78% | 14.00% | -383 bps | |
| Net Worth / Assets | 17.83% | 17.02% | 15.87% | 15.78% | 14.00% | -383 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.88% | 57.60% | 55.59% | 54.41% | 50.47% | -841 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |