Research Triang, NC · Charter 68496
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | -3.30% | -3.94% | -2.63% | -4.66% | -523 bps | |
| Return on Equity | 7.75% | -51.60% | -74.47% | -48.00% | -147.76% | -15,551 bps | |
| Net Interest Margin | 2.80% | 3.86% | 3.35% | 3.21% | 4.01% | +122 bps | |
| Efficiency Ratio | 84.30% | 159.39% | 70.71% | 77.69% | 86.25% | +195 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.93% | -6.69% | -2.41% | -0.68% | -5.13% | +1,679 bps | |
| Loan Growth (YoY) | 34.09% | 43.68% | 30.87% | -5.40% | 7.84% | -2,625 bps | |
| Share Growth (YoY) | -23.65% | -7.76% | -1.17% | -0.57% | -0.99% | +2,267 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.66% | 1.76% | 19.53% | 33.69% | 23.09% | +2,142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 1.07% | 6.71% | 6.53% | 3.23% | +245 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.41% | 6.40% | 5.30% | 5.47% | 3.15% | -426 bps | |
| Net Worth / Assets | 7.41% | 6.40% | 5.30% | 5.47% | 3.15% | -426 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.47% | 58.69% | 55.82% | 59.34% | 63.68% | +521 bps | |
| Liquid Assets / Assets | 36.08% | 38.40% | 40.20% | 41.32% | 34.70% | -137 bps | |