Kings Mountain, NC · Charter 63485
Q3 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | -0.97% | -4.75% | -1.91% | -0.82% | -39 bps | |
| Return on Equity | -2.10% | -4.59% | -22.63% | -9.50% | -3.86% | -176 bps | |
| Net Interest Margin | 4.68% | 4.13% | 20.93% | 3.55% | 4.49% | -20 bps | |
| Efficiency Ratio | 109.29% | 123.57% | 122.67% | 153.88% | 118.33% | +903 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.41% | -26.68% | -23.23% | -20.46% | -8.29% | +1,312 bps | |
| Loan Growth (YoY) | -32.22% | -25.08% | -0.19% | 6.13% | 16.17% | +4,839 bps | |
| Share Growth (YoY) | -25.94% | -31.01% | -27.07% | -23.11% | -8.95% | +1,699 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.09% | 6.58% | 1.82% | 2.98% | 3.44% | -564 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.20% | 8.83% | 3.74% | 3.77% | 3.76% | -443 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.76% | 21.20% | 20.97% | 20.11% | 21.33% | +57 bps | |
| Net Worth / Assets | 20.76% | 21.20% | 20.97% | 20.11% | 21.33% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.93% | 44.12% | 55.44% | 54.08% | 57.32% | +1,240 bps | |
| Liquid Assets / Assets | 19.44% | 17.27% | 55.13% | 8.05% | 54.32% | +3,488 bps | |