Winston-Salem, NC · Charter 66311
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | -0.05% | -1.92% | -0.21% | -1.86% | -153 bps | |
| Return on Equity | -2.29% | -0.36% | -14.69% | -1.55% | -14.98% | -1,270 bps | |
| Net Interest Margin | 5.75% | 5.78% | 5.51% | 5.99% | 5.98% | +23 bps | |
| Efficiency Ratio | 92.45% | 88.37% | 128.07% | 101.31% | 133.76% | +4,131 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.45% | 4.92% | 18.67% | 14.79% | 6.67% | +812 bps | |
| Loan Growth (YoY) | 25.25% | 40.36% | 49.14% | 40.13% | 34.76% | +951 bps | |
| Share Growth (YoY) | -10.16% | -7.96% | 0.86% | -10.49% | -3.00% | +716 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 0.65% | 0.31% | 0.00% | 0.00% | -128 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.52% | 0.52% | 0.51% | 0.50% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.51% | 14.21% | 13.06% | 13.59% | 12.43% | -208 bps | |
| Net Worth / Assets | 14.51% | 14.21% | 13.06% | 13.59% | 12.43% | -208 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.89% | 94.48% | 104.06% | 121.08% | 120.71% | +3,382 bps | |
| Liquid Assets / Assets | 9.99% | 8.06% | 5.43% | 0.00% | 0.00% | -999 bps | |