Rocky Mount, NC · Charter 63350
Q2 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | 0.30% | -0.04% | -1.56% | -1.89% | -170 bps | |
| Return on Equity | -0.66% | 0.96% | -0.12% | -5.09% | -6.54% | -588 bps | |
| Net Interest Margin | 4.41% | 5.07% | 4.84% | 3.23% | 3.16% | -126 bps | |
| Efficiency Ratio | 100.59% | 89.16% | 94.35% | 133.41% | 127.84% | +2,725 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.87% | -10.38% | -9.59% | -13.14% | -3.03% | -16 bps | |
| Loan Growth (YoY) | -19.75% | -12.93% | -6.33% | -7.98% | -18.00% | +176 bps | |
| Share Growth (YoY) | -4.45% | -15.15% | -13.83% | -17.51% | -2.29% | +216 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.27% | 6.80% | 5.35% | 4.41% | 3.00% | -327 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.63% | 1.34% | 0.97% | 0.73% | 1.68% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.47% | 30.91% | 31.85% | 30.63% | 28.93% | -54 bps | |
| Net Worth / Assets | 29.47% | 30.91% | 31.85% | 30.63% | 28.93% | -54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.83% | 38.51% | 40.46% | 36.69% | 30.91% | -592 bps | |
| Liquid Assets / Assets | 67.83% | 68.27% | 69.05% | 72.41% | 76.14% | +831 bps | |