Winston-Salem, NC · Charter 63550
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | -0.64% | 0.25% | 1.96% | 1.57% | +134 bps | |
| Return on Equity | 1.40% | -4.01% | 1.55% | 8.72% | 6.90% | +551 bps | |
| Net Interest Margin | 2.09% | 2.46% | 2.97% | 4.75% | 3.68% | +159 bps | |
| Efficiency Ratio | 89.11% | 105.24% | 73.90% | 58.73% | 57.34% | -3,178 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.69% | -7.16% | -9.66% | -29.19% | -23.99% | -1,730 bps | |
| Loan Growth (YoY) | 31.30% | 0.54% | -13.61% | -42.70% | -61.12% | -9,242 bps | |
| Share Growth (YoY) | -7.70% | -8.32% | -11.59% | -34.75% | -29.16% | -2,146 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.93% | 0.00% | 0.00% | 2.69% | 14.78% | +1,085 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.10% | 0.32% | 0.80% | 0.89% | 1.31% | +121 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.31% | 15.93% | 16.47% | 22.49% | 22.71% | +641 bps | |
| Net Worth / Assets | 16.31% | 15.93% | 16.47% | 22.49% | 22.71% | +641 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.82% | 64.18% | 46.64% | 60.41% | 41.06% | -3,376 bps | |
| Liquid Assets / Assets | 37.13% | 46.08% | 45.14% | 52.39% | 67.46% | +3,032 bps | |