Greensboro, NC · Charter 68499
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Greensboro, NC · Charter 68499
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.24% | -0.29% | -0.30% | -4.89% | -2.67% | -243 bps | |
| Return on Equity | -3.17% | -3.89% | -4.17% | -80.33% | -45.72% | -4,255 bps | |
| Net Interest Margin | 4.53% | 4.60% | 4.49% | 4.52% | 4.55% | +1 bps | |
| Efficiency Ratio | 77.69% | 79.80% | 81.24% | 86.44% | 75.36% | -233 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.95% | 2.42% | 1.08% | -0.45% | 2.34% | -561 bps | |
| Loan Growth (YoY) | 7.52% | 2.80% | 0.08% | 0.61% | 3.19% | -433 bps | |
| Share Growth (YoY) | 9.25% | 0.63% | 0.76% | -1.34% | 2.47% | -678 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.29% | 3.04% | 3.05% | 2.72% | 2.43% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 1.09% | 1.01% | 1.24% | 1.59% | +52 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.52% | 7.43% | 7.14% | 6.08% | 5.83% | -169 bps | |
| Net Worth / Assets | 7.52% | 7.43% | 7.14% | 6.08% | 5.83% | -169 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.90% | 100.05% | 102.45% | 96.72% | 96.57% | +67 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |