Salem, VA · Charter 10095
Q1 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | -0.41% | -0.61% | -0.46% | -1.46% | -114 bps | |
| Return on Equity | -4.09% | -5.41% | -7.94% | -6.16% | -21.34% | -1,725 bps | |
| Net Interest Margin | 3.20% | 3.13% | 3.27% | 3.13% | 2.65% | -55 bps | |
| Efficiency Ratio | 95.74% | 92.07% | 103.97% | 103.41% | 106.86% | +1,112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.32% | 4.94% | -7.12% | 1.19% | 1.70% | -461 bps | |
| Loan Growth (YoY) | -12.78% | -12.29% | -10.77% | -10.83% | -10.65% | +213 bps | |
| Share Growth (YoY) | 7.38% | 5.59% | -7.45% | 1.51% | 2.49% | -489 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.42% | 0.48% | 0.78% | 0.33% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.89% | 0.81% | 0.83% | 1.19% | +60 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.69% | 7.52% | 7.73% | 7.52% | 6.83% | -86 bps | |
| Net Worth / Assets | 7.69% | 7.52% | 7.73% | 7.52% | 6.83% | -86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.37% | 44.03% | 46.28% | 44.10% | 39.55% | -582 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |