Elkin, NC · Charter 63769
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.32% | 0.36% | 0.00% | -0.63% | -118 bps | |
| Return on Equity | 1.83% | 1.06% | 1.20% | 0.01% | -2.07% | -390 bps | |
| Net Interest Margin | 2.77% | 2.75% | 2.68% | 2.36% | 2.42% | -35 bps | |
| Efficiency Ratio | 80.59% | 88.44% | 86.76% | 99.85% | 89.48% | +889 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.82% | 0.91% | 2.38% | 2.59% | -3.52% | -833 bps | |
| Loan Growth (YoY) | 3.24% | 1.46% | -6.88% | -7.40% | -9.27% | -1,251 bps | |
| Share Growth (YoY) | 6.37% | 0.81% | 3.07% | 3.79% | -4.42% | -1,079 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.59% | 0.96% | 0.79% | 2.34% | +172 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.52% | 0.53% | 0.55% | 0.97% | +45 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.78% | 30.15% | 29.82% | 30.08% | 30.57% | +79 bps | |
| Net Worth / Assets | 29.78% | 30.15% | 29.82% | 30.08% | 30.57% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.68% | 65.52% | 62.98% | 62.33% | 60.45% | -323 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |