Baltimore, MD · Charter 68523
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.56% | -1.67% | -1.99% | -1.31% | -1.69% | -14 bps | |
| Return on Equity | -9.67% | -10.50% | -12.83% | -8.37% | -10.31% | -64 bps | |
| Net Interest Margin | 3.15% | 2.97% | 2.57% | 3.01% | 3.13% | -2 bps | |
| Efficiency Ratio | 144.55% | 146.43% | 152.11% | 137.67% | 145.97% | +142 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.66% | -7.49% | -11.09% | -8.04% | -11.83% | -317 bps | |
| Loan Growth (YoY) | -21.38% | -31.71% | -27.05% | -22.84% | -27.87% | -649 bps | |
| Share Growth (YoY) | -8.55% | -6.02% | -10.77% | -6.44% | -13.39% | -484 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.16% | 0.27% | 0.10% | 0.68% | 0.35% | -181 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.44% | 1.44% | 1.50% | 1.69% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.08% | 15.88% | 15.54% | 15.68% | 16.41% | +33 bps | |
| Net Worth / Assets | 16.08% | 15.88% | 15.54% | 15.68% | 16.41% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.32% | 41.53% | 41.74% | 40.49% | 40.24% | -808 bps | |
| Liquid Assets / Assets | 14.48% | 19.84% | 22.19% | 0.00% | 0.00% | -1,448 bps | |