Arabi, LA · Charter 7574
Q4 2007
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 1.01% | 0.96% | 1.70% | -5.16% | -657 bps | |
| Return on Equity | 10.88% | 7.56% | 7.73% | 12.78% | -67.48% | -7,837 bps | |
| Net Interest Margin | 6.19% | 2.10% | 1.84% | 2.44% | 2.64% | -355 bps | |
| Efficiency Ratio | 72.33% | 63.53% | 62.46% | 47.06% | 241% | +16,830 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.99% | -19.93% | -4.02% | 0.07% | 3.56% | +2,055 bps | |
| Loan Growth (YoY) | -23.23% | -8.74% | -8.91% | -8.76% | -13.25% | +998 bps | |
| Share Growth (YoY) | -20.51% | -23.68% | -6.19% | -1.79% | 7.71% | +2,822 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.79% | 2.15% | 0.80% | 0.59% | 1.30% | -149 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.99% | 1.87% | 0.96% | 0.76% | 1.99% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.95% | 13.37% | 12.45% | 13.31% | 7.64% | -531 bps | |
| Net Worth / Assets | 12.95% | 13.37% | 12.45% | 13.31% | 7.64% | -531 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.14% | 34.28% | 28.32% | 28.77% | 26.69% | -645 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |