Smithfield, VA · Charter 66961
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -12.98% | -12.22% | -8.89% | -5.63% | -7.73% | +525 bps | |
| Return on Equity | -27.41% | -23.28% | -19.15% | -12.54% | -15.77% | +1,164 bps | |
| Net Interest Margin | 10.06% | 11.01% | 9.72% | 9.04% | 10.43% | +37 bps | |
| Efficiency Ratio | 133.71% | 130.38% | 115.79% | 119.26% | 113.95% | -1,976 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.68% | -18.67% | -14.35% | -2.99% | -15.52% | -83 bps | |
| Loan Growth (YoY) | -20.43% | -12.13% | -11.54% | -2.66% | -10.16% | +1,026 bps | |
| Share Growth (YoY) | -8.11% | -15.96% | -7.40% | 4.18% | -18.03% | -993 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 6.47% | 7.55% | 5.47% | 13.96% | +1,396 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.86% | 7.62% | 7.85% | 6.82% | 11.46% | +360 bps | |
| Capital | |||||||
| Risk-Based Capital | 47.37% | 52.49% | 46.43% | 44.91% | 49.04% | +167 bps | |
| Net Worth / Assets | 47.37% | 52.49% | 46.43% | 44.91% | 49.04% | +167 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 135.37% | 179.54% | 139.94% | 140.51% | 148.36% | +1,300 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |