Pascagoula, MS · Charter 7
Q1 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.89% | 0.69% | 0.60% | -13.10% | -1,397 bps | |
| Return on Equity | 5.40% | 5.19% | 4.33% | 4.71% | -144.84% | -15,024 bps | |
| Net Interest Margin | 3.07% | 3.24% | 3.01% | 2.49% | -4.38% | -745 bps | |
| Efficiency Ratio | 79.75% | 81.42% | 82.59% | 81.08% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 11.02% | 8.78% | 19.05% | 46.44% | 35.64% | +2,463 bps | |
| Loan Growth (YoY) | 1.10% | 4.25% | 18.43% | 39.59% | 49.56% | +4,846 bps | |
| Share Growth (YoY) | 12.41% | 9.50% | 22.97% | 55.77% | 47.76% | +3,535 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.06% | 0.18% | 0.12% | 0.32% | +31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.19% | 0.11% | 0.10% | 0.08% | 0.08% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.14% | 17.13% | 15.86% | 12.82% | 9.04% | -709 bps | |
| Net Worth / Assets | 16.14% | 17.13% | 15.86% | 12.82% | 9.04% | -709 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.75% | 77.82% | 79.95% | 73.69% | 70.60% | +85 bps | |
| Liquid Assets / Assets | 35.17% | 28.63% | 25.82% | 31.24% | 30.24% | -493 bps | |