Clinton, NC · Charter 68514
Q1 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -29.29% | -4.76% | -1.60% | -1.51% | 1.13% | +3,042 bps | |
| Return on Equity | n/a | -172.13% | -75.97% | -72.31% | 47.44% | n/a | |
| Net Interest Margin | -3.39% | -2.31% | -0.56% | 0.57% | 4.61% | +801 bps | |
| Efficiency Ratio | n/a | 121.40% | 110.25% | 106.28% | 94.28% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -10.52% | 37.44% | 27.96% | 20.08% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 12009% | 1705% | n/a | |
| Share Growth (YoY) | n/a | 3.21% | 49.65% | 29.77% | 13.03% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.82% | 2.98% | 3.45% | +345 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.53% | 0.56% | +56 bps | |
| Capital | |||||||
| Risk-Based Capital | -2.97% | 2.77% | 2.11% | 2.10% | 2.39% | +536 bps | |
| Net Worth / Assets | -2.97% | 2.77% | 2.11% | 2.10% | 2.39% | +536 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 4.92% | 52.85% | 75.46% | 80.99% | 78.58% | +7,366 bps | |
| Liquid Assets / Assets | 81.84% | 32.76% | 15.77% | 8.13% | 9.44% | -7,240 bps | |