Elizabeth City, NC · Charter 63569
Q2 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.81% | -0.93% | -0.84% | -0.99% | -0.92% | -11 bps | |
| Return on Equity | -4.64% | -5.13% | -4.71% | -5.90% | -5.51% | -86 bps | |
| Net Interest Margin | 4.12% | 4.35% | 4.35% | 3.88% | 3.88% | -23 bps | |
| Efficiency Ratio | 113.54% | 113.51% | 112.45% | 123.08% | 121.28% | +774 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.55% | 0.79% | -4.58% | 1.13% | -0.59% | -113 bps | |
| Loan Growth (YoY) | 0.88% | 4.78% | 6.49% | -5.19% | -1.13% | -201 bps | |
| Share Growth (YoY) | 1.87% | 1.90% | -4.63% | 2.53% | 0.35% | -152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.22% | 0.43% | 0.97% | 1.36% | +113 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.89% | 0.73% | 0.79% | 0.78% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.47% | 18.11% | 17.94% | 16.71% | 16.71% | -76 bps | |
| Net Worth / Assets | 17.47% | 18.11% | 17.94% | 16.71% | 16.71% | -76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.97% | 70.52% | 70.74% | 60.95% | 62.04% | -93 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |