High Point, NC · Charter 63526
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.21% | 0.06% | 0.22% | -0.04% | -29 bps | |
| Return on Equity | 2.24% | 1.92% | 0.51% | 1.93% | -0.37% | -261 bps | |
| Net Interest Margin | 3.21% | 3.38% | 3.45% | 3.53% | 3.36% | +16 bps | |
| Efficiency Ratio | 89.30% | 84.46% | 86.32% | 91.16% | 90.95% | +165 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.32% | 15.27% | 9.76% | 2.22% | -1.03% | -1,835 bps | |
| Loan Growth (YoY) | 8.07% | 10.82% | 7.53% | 4.10% | -5.50% | -1,357 bps | |
| Share Growth (YoY) | 19.58% | 17.51% | 10.82% | 1.71% | -1.16% | -2,073 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 2.59% | 0.44% | 2.59% | 3.28% | +174 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.52% | 0.53% | 0.55% | 0.56% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.08% | 11.12% | 11.40% | 11.13% | 11.11% | +2 bps | |
| Net Worth / Assets | 11.08% | 11.12% | 11.40% | 11.13% | 11.11% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.85% | 54.05% | 55.81% | 51.63% | 51.49% | -236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |