Charlotte, NC · Charter 63228
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.49% | -0.24% | 0.01% | 0.12% | 0.12% | +61 bps | |
| Return on Equity | -5.78% | -2.80% | 0.10% | 1.36% | 1.26% | +704 bps | |
| Net Interest Margin | 4.56% | 4.74% | 4.96% | 4.91% | 5.44% | +88 bps | |
| Efficiency Ratio | 104.40% | 101.21% | 97.39% | 91.80% | 93.50% | -1,090 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.57% | -1.86% | -2.51% | -0.87% | -10.28% | -971 bps | |
| Loan Growth (YoY) | 3.00% | -4.83% | 6.45% | 12.54% | 9.93% | +693 bps | |
| Share Growth (YoY) | -0.58% | -2.06% | -2.57% | -0.60% | -11.03% | -1,045 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.69% | 0.58% | 0.59% | 0.62% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.23% | 0.19% | 0.21% | 0.27% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.40% | 8.71% | 9.13% | 8.84% | 9.70% | +130 bps | |
| Net Worth / Assets | 8.40% | 8.71% | 9.13% | 8.84% | 9.70% | +130 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.20% | 78.24% | 86.86% | 86.09% | 92.91% | +1,771 bps | |
| Liquid Assets / Assets | 25.94% | 23.25% | 15.04% | 15.91% | 10.11% | -1,583 bps | |