Greensboro, NC · Charter 62842
Q3 2008
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.11% | 0.12% | 0.16% | 0.45% | -21.58% | -2,147 bps | |
| Return on Equity | -0.53% | 0.58% | 0.75% | 2.05% | -264% | -26,371 bps | |
| Net Interest Margin | 4.06% | 4.18% | 3.51% | 3.53% | -6.24% | -1,030 bps | |
| Efficiency Ratio | 84.61% | 81.92% | 95.56% | 100.60% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.27% | -1.46% | -0.22% | -4.21% | -15.15% | -1,088 bps | |
| Loan Growth (YoY) | 0.37% | -3.87% | -18.35% | -26.52% | -31.03% | -3,140 bps | |
| Share Growth (YoY) | -5.31% | -1.69% | -0.30% | -5.42% | -1.64% | +367 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.20% | 2.28% | 1.94% | 1.83% | 0.00% | -320 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 1.43% | 1.75% | 1.29% | 23.37% | +2,184 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.46% | 21.22% | 20.85% | 21.94% | 8.17% | -1,229 bps | |
| Net Worth / Assets | 20.46% | 21.22% | 20.85% | 21.94% | 8.17% | -1,229 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.21% | 60.56% | 51.10% | 49.42% | 42.22% | -1,799 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |