Mt. Jackson, VA · Charter 66978
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.50% | -0.32% | -8.44% | 0.77% | +11 bps | |
| Return on Equity | 11.43% | 8.96% | -5.96% | -637% | 11.75% | +32 bps | |
| Net Interest Margin | 3.58% | 3.49% | 5.74% | 6.80% | 6.34% | +275 bps | |
| Efficiency Ratio | 80.93% | 84.78% | 53.50% | 48.67% | 55.04% | -2,589 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 71.80% | 96.22% | 67.75% | 45.69% | -3.23% | -7,503 bps | |
| Loan Growth (YoY) | 24.22% | 48.21% | 75.18% | 58.67% | 39.20% | +1,498 bps | |
| Share Growth (YoY) | 77.37% | 106.47% | 74.95% | 57.90% | -3.95% | -8,132 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.04% | 6.17% | 6.73% | 4.66% | 13.43% | +638 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.60% | 1.30% | 1.08% | 7.38% | 1.59% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.78% | 5.59% | 5.45% | 1.33% | 6.57% | +80 bps | |
| Net Worth / Assets | 5.78% | 5.59% | 5.45% | 1.33% | 6.57% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.22% | 67.95% | 77.59% | 77.55% | 81.48% | +2,526 bps | |
| Liquid Assets / Assets | 46.79% | 36.04% | 26.20% | 27.02% | 23.07% | -2,372 bps | |