Bristol, VA · Charter 8065
Q3 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.55% | -1.20% | -1.65% | -0.51% | -0.28% | +127 bps | |
| Return on Equity | -6.97% | -5.30% | -7.25% | -2.21% | -1.08% | +589 bps | |
| Net Interest Margin | 3.60% | 3.87% | 3.13% | 4.16% | 4.62% | +102 bps | |
| Efficiency Ratio | 137.27% | 126.53% | 137.35% | 100.62% | 97.01% | -4,026 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.58% | 5.33% | 0.95% | -4.21% | -13.54% | -1,911 bps | |
| Loan Growth (YoY) | -11.75% | -16.99% | -19.65% | 2.52% | -3.78% | +797 bps | |
| Share Growth (YoY) | 9.02% | 8.93% | 2.96% | -4.74% | -17.26% | -2,628 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 1.17% | 1.79% | 0.00% | 0.00% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.94% | 2.69% | 2.05% | 0.66% | 0.81% | -113 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.20% | 22.73% | 22.76% | 23.18% | 25.45% | +325 bps | |
| Net Worth / Assets | 22.20% | 22.73% | 22.76% | 23.18% | 25.45% | +325 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.89% | 65.88% | 65.03% | 74.51% | 76.62% | +1,073 bps | |
| Liquid Assets / Assets | 46.66% | 47.35% | 47.80% | 40.32% | 41.20% | -546 bps | |