Pascagoula, MS · Charter 63403
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.38% | -3.57% | -6.61% | -3.71% | -5.16% | -278 bps | |
| Return on Equity | -28.22% | -47.39% | -113.16% | -53.23% | -91.30% | -6,309 bps | |
| Net Interest Margin | 5.20% | 5.42% | 4.32% | 5.49% | 5.78% | +58 bps | |
| Efficiency Ratio | 108.33% | 111.15% | 128.25% | 117.31% | 142.10% | +3,377 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.26% | -9.70% | -13.64% | -24.81% | -27.89% | -2,815 bps | |
| Loan Growth (YoY) | -21.50% | -24.49% | -26.33% | -24.37% | -24.04% | -254 bps | |
| Share Growth (YoY) | 2.02% | -7.30% | -11.38% | -23.74% | -25.34% | -2,736 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.38% | 2.37% | 1.92% | 3.21% | 2.42% | -296 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 2.19% | 2.52% | 2.65% | 2.77% | +97 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.45% | 7.53% | 5.84% | 6.98% | 5.66% | -279 bps | |
| Net Worth / Assets | 8.45% | 7.53% | 5.84% | 6.98% | 5.66% | -279 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.64% | 69.20% | 62.50% | 70.43% | 69.84% | +120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |