Lakeland, FL · Charter 945
Q2 2011
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.30% | -2.40% | -2.26% | -1.08% | -1.18% | +212 bps | |
| Return on Equity | -14.10% | -10.48% | -11.57% | -5.68% | -6.35% | +775 bps | |
| Net Interest Margin | 4.56% | 3.81% | 3.47% | 3.36% | 3.51% | -105 bps | |
| Efficiency Ratio | 112.82% | 144.98% | 128.88% | 131.23% | 132.55% | +1,973 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.34% | 0.98% | 8.65% | 5.36% | 10.49% | +615 bps | |
| Loan Growth (YoY) | -3.33% | -5.78% | -1.93% | -4.69% | -9.72% | -639 bps | |
| Share Growth (YoY) | 10.38% | 6.61% | 14.47% | 10.39% | 18.17% | +779 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.68% | 6.95% | 6.69% | 6.73% | 8.54% | +186 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 1.28% | 2.30% | 2.28% | 2.40% | +183 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.39% | 22.93% | 19.50% | 19.05% | 18.54% | -485 bps | |
| Net Worth / Assets | 23.39% | 22.93% | 19.50% | 19.05% | 18.54% | -485 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.93% | 79.29% | 66.55% | 67.23% | 62.60% | -1,933 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |