Tampa, FL · Charter 67343
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.67% | -0.81% | -0.83% | -2.34% | -1.48% | -80 bps | |
| Return on Equity | -11.08% | -13.01% | -13.50% | -44.65% | -29.06% | -1,797 bps | |
| Net Interest Margin | 3.48% | 3.65% | 3.71% | 3.66% | 3.71% | +23 bps | |
| Efficiency Ratio | 59.44% | 63.19% | 67.61% | 83.14% | 82.83% | +2,339 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.64% | -10.45% | -8.77% | -11.46% | -17.08% | -245 bps | |
| Loan Growth (YoY) | -13.83% | -16.74% | -17.12% | -18.81% | -24.12% | -1,029 bps | |
| Share Growth (YoY) | -11.68% | -7.41% | -5.82% | -8.47% | -14.42% | -273 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.72% | 3.05% | 3.73% | 4.80% | 4.58% | +86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.02% | 3.50% | 3.72% | 4.72% | 4.97% | +95 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.09% | 6.22% | 6.18% | 5.25% | 5.08% | -101 bps | |
| Net Worth / Assets | 6.09% | 6.22% | 6.18% | 5.25% | 5.08% | -101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.75% | 95.42% | 93.47% | 90.90% | 86.67% | -1,108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |