Durham, NC · Charter 68276
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.27% | 0.09% | -0.31% | -2.20% | -254 bps | |
| Return on Equity | 4.07% | 3.28% | 1.16% | -4.84% | -38.70% | -4,277 bps | |
| Net Interest Margin | 5.34% | 4.88% | 4.86% | 4.90% | 4.61% | -73 bps | |
| Efficiency Ratio | 93.15% | 94.31% | 95.59% | 99.08% | 111.29% | +1,814 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.29% | 2.25% | 2.13% | -0.37% | -5.41% | -870 bps | |
| Loan Growth (YoY) | -4.28% | -4.47% | -2.57% | -2.25% | -6.52% | -223 bps | |
| Share Growth (YoY) | 3.51% | 3.08% | 3.88% | 2.13% | -2.60% | -611 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.42% | 2.71% | 3.52% | 4.92% | 2.88% | +46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 0.94% | 0.93% | 0.97% | 1.13% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.35% | 8.12% | 7.39% | 6.30% | 5.70% | -265 bps | |
| Net Worth / Assets | 8.35% | 8.12% | 7.39% | 6.30% | 5.70% | -265 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.03% | 63.55% | 65.29% | 65.66% | 60.50% | -253 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |