Salisbury, NC · Charter 65983
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.52% | 0.00% | 0.12% | -5.22% | -570 bps | |
| Return on Equity | 4.54% | 4.85% | 0.02% | 1.37% | -72.84% | -7,738 bps | |
| Net Interest Margin | 4.34% | 4.05% | 3.98% | 3.38% | 3.34% | -100 bps | |
| Efficiency Ratio | 86.89% | 89.15% | 89.06% | 91.49% | 107.27% | +2,039 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.07% | 10.84% | 15.01% | 36.18% | 27.06% | +2,100 bps | |
| Loan Growth (YoY) | 4.75% | 6.50% | 9.15% | 37.88% | 40.71% | +3,596 bps | |
| Share Growth (YoY) | 6.25% | 7.93% | 7.48% | 28.04% | 30.15% | +2,389 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.41% | 2.72% | 1.88% | 1.92% | 2.67% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.65% | 0.73% | 0.48% | 0.64% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.73% | 10.74% | 10.18% | 8.56% | 7.16% | -357 bps | |
| Net Worth / Assets | 10.73% | 10.74% | 10.18% | 8.56% | 7.16% | -357 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.87% | 81.59% | 91.02% | 93.49% | 84.20% | +632 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |