San Juan, PR · Charter 6940
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.52% | 0.52% | 0.05% | 0.35% | -47 bps | |
| Return on Equity | 5.88% | 3.56% | 3.47% | 0.29% | 2.05% | -383 bps | |
| Net Interest Margin | 5.56% | 5.72% | 5.85% | 5.51% | 5.50% | -6 bps | |
| Efficiency Ratio | 70.62% | 76.33% | 76.74% | 82.06% | 83.34% | +1,272 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.44% | -7.06% | -8.43% | -15.51% | -16.59% | -1,115 bps | |
| Loan Growth (YoY) | -5.81% | -3.19% | -6.04% | -5.51% | -6.69% | -88 bps | |
| Share Growth (YoY) | -6.64% | -8.02% | -9.86% | -18.03% | -19.32% | -1,268 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.65% | 3.32% | 1.90% | 1.98% | 1.78% | -87 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.40% | 1.74% | 2.13% | 2.45% | 2.35% | +95 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.03% | 14.54% | 15.03% | 16.41% | 17.10% | +307 bps | |
| Net Worth / Assets | 14.03% | 14.54% | 15.03% | 16.41% | 17.10% | +307 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.23% | 75.74% | 76.30% | 84.28% | 83.54% | +1,131 bps | |
| Liquid Assets / Assets | 21.20% | 23.66% | 27.75% | 22.96% | 0.00% | -2,120 bps | |