Suffolk, VA · Charter 66935
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.22% | -3.14% | -1.80% | -4.72% | -6.10% | -488 bps | |
| Return on Equity | -18.98% | -45.03% | -36.16% | -140.81% | -377% | -35,781 bps | |
| Net Interest Margin | 6.88% | 7.30% | 6.79% | 7.39% | 8.11% | +123 bps | |
| Efficiency Ratio | 82.36% | 78.26% | 111.82% | 101.74% | 90.61% | +825 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.74% | -4.54% | -19.17% | -22.24% | -28.94% | -2,020 bps | |
| Loan Growth (YoY) | -26.41% | -25.04% | -25.53% | -32.24% | -31.17% | -476 bps | |
| Share Growth (YoY) | -6.51% | -4.37% | -15.46% | -17.77% | -24.42% | -1,792 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.45% | 5.70% | 5.53% | 12.70% | 9.95% | +149 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.51% | 4.59% | 5.34% | 7.10% | 9.13% | +362 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.44% | 6.97% | 4.98% | 3.35% | 1.62% | -482 bps | |
| Net Worth / Assets | 6.44% | 6.97% | 4.98% | 3.35% | 1.62% | -482 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.34% | 66.60% | 69.39% | 61.58% | 60.41% | -592 bps | |
| Liquid Assets / Assets | 37.12% | 37.35% | 23.56% | 0.00% | 0.00% | -3,712 bps | |