Oxford, NC · Charter 63553
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.29% | -2.22% | -0.19% | -0.56% | -95 bps | |
| Return on Equity | 1.65% | 1.21% | -9.37% | -0.79% | -2.39% | -404 bps | |
| Net Interest Margin | 2.55% | 2.51% | 2.75% | 2.41% | 2.62% | +7 bps | |
| Efficiency Ratio | 91.87% | 93.45% | 181.26% | 101.02% | 105.68% | +1,382 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.32% | -2.85% | -10.33% | -7.42% | -7.55% | -423 bps | |
| Loan Growth (YoY) | 3.44% | -2.10% | -8.27% | -3.22% | -4.14% | -758 bps | |
| Share Growth (YoY) | -4.59% | -4.04% | -10.86% | -6.92% | -6.64% | -205 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.37% | 1.41% | 1.37% | 0.92% | 0.59% | -178 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.23% | 0.45% | 0.34% | 0.62% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.00% | 23.82% | 23.65% | 23.56% | 23.26% | -74 bps | |
| Net Worth / Assets | 24.00% | 23.82% | 23.65% | 23.56% | 23.26% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.57% | 32.51% | 34.09% | 35.40% | 34.47% | +90 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |