Natchez, MS · Charter 9279
Q1 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -26.01% | -16.27% | -13.35% | -10.95% | -112.32% | -8,632 bps | |
| Return on Equity | -352% | -285% | -286% | -238% | n/a | n/a | |
| Net Interest Margin | 7.80% | 5.42% | 5.56% | 5.58% | 9.14% | +135 bps | |
| Efficiency Ratio | 82.83% | 147.76% | 155.00% | 147.70% | 140.20% | +5,737 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -31.91% | -28.05% | -28.63% | -19.47% | -41.89% | -998 bps | |
| Loan Growth (YoY) | -36.69% | -34.12% | -27.37% | -20.53% | -26.46% | +1,023 bps | |
| Share Growth (YoY) | -24.29% | -24.64% | -24.38% | -12.03% | -24.19% | +9 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 54.78% | 31.27% | 30.90% | 53.86% | 42.50% | -1,228 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 17.44% | 19.89% | 22.28% | 17.37% | 51.92% | +3,448 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.39% | 5.71% | 4.66% | 4.61% | -21.14% | -2,854 bps | |
| Net Worth / Assets | 7.39% | 5.71% | 4.66% | 4.61% | -21.14% | -2,854 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.53% | 57.07% | 59.30% | 56.29% | 59.69% | -184 bps | |
| Liquid Assets / Assets | 43.49% | 48.66% | 47.55% | 53.26% | 62.10% | +1,862 bps | |