Durham, NC · Charter 63349
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 | -0.01% | 0.05% | -0.25% | -0.49% | -0.40% | -39 bps | |
| Return on Equity | -0.11% | 0.42% | -2.16% | -4.35% | -3.29% | -318 bps | |
| Net Interest Margin | 3.89% | 4.13% | 4.23% | 3.99% | 4.32% | +43 bps | |
| Efficiency Ratio | 100.29% | 98.90% | 89.08% | 91.19% | 91.35% | -894 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.13% | -3.47% | -10.02% | -9.56% | -15.01% | -1,488 bps | |
| Loan Growth (YoY) | -16.90% | -10.78% | -5.44% | 4.43% | 5.68% | +2,257 bps | |
| Share Growth (YoY) | 0.37% | -4.78% | -11.05% | -9.68% | -15.80% | -1,617 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.29% | 2.55% | 2.88% | 2.18% | 2.66% | -462 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 1.07% | 1.30% | 1.98% | 1.72% | +79 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.11% | 11.35% | 11.69% | 11.29% | 12.13% | +102 bps | |
| Net Worth / Assets | 11.11% | 11.35% | 11.69% | 11.29% | 12.13% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.59% | 45.40% | 49.63% | 48.57% | 54.71% | +1,112 bps | |
| Liquid Assets / Assets | 56.58% | 55.27% | 51.44% | 52.54% | 46.89% | -970 bps | |