Gainesville, FL · Charter 67320
Q4 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.44% | 1.84% | 1.33% | -6.45% | -701 bps | |
| Return on Equity | 3.45% | 3.05% | 12.03% | 8.67% | -81.44% | -8,488 bps | |
| Net Interest Margin | 5.31% | 5.16% | 5.27% | 5.22% | 2.94% | -238 bps | |
| Efficiency Ratio | 87.51% | 88.60% | 74.56% | 77.55% | 184.07% | +9,655 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.67% | 5.29% | 3.34% | 2.24% | 7.18% | +885 bps | |
| Loan Growth (YoY) | 1.53% | -7.40% | -5.29% | -7.60% | -11.54% | -1,307 bps | |
| Share Growth (YoY) | -3.11% | 6.76% | 3.25% | 1.61% | 11.10% | +1,421 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.78% | 1.40% | 2.40% | 4.09% | +371 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 1.16% | 1.31% | 1.07% | 3.34% | +228 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.23% | 14.43% | 15.33% | 15.32% | 7.93% | -831 bps | |
| Net Worth / Assets | 16.23% | 14.43% | 15.33% | 15.32% | 7.93% | -831 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.91% | 54.34% | 57.14% | 54.78% | 51.69% | -1,322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |