Hickory, NC · Charter 62984
Q2 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | -0.97% | -0.75% | 0.04% | 0.13% | +9 bps | |
| Return on Equity | 0.31% | -7.86% | -6.07% | 0.29% | 0.98% | +67 bps | |
| Net Interest Margin | 3.23% | 2.32% | 2.55% | 3.37% | 3.23% | 0 bps | |
| Efficiency Ratio | 98.68% | 136.57% | 125.61% | 96.36% | 85.65% | -1,303 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.64% | 8.26% | 1.03% | -12.28% | -10.15% | -1,980 bps | |
| Loan Growth (YoY) | 4.59% | 1.73% | -4.33% | -9.94% | -13.85% | -1,843 bps | |
| Share Growth (YoY) | 11.22% | 9.88% | 1.67% | -10.66% | -7.72% | -1,894 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.44% | 0.80% | 0.60% | +59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.14% | 0.13% | 0.16% | 0.20% | 0.00% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.63% | 12.29% | 12.42% | 13.44% | 13.30% | +67 bps | |
| Net Worth / Assets | 12.63% | 12.29% | 12.42% | 13.44% | 13.30% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.92% | 85.95% | 84.68% | 84.26% | 76.49% | -544 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |