Bel Air, MD · Charter 10374
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | -0.03% | 0.05% | 0.11% | 0.21% | +14 bps | |
| Return on Equity | 0.88% | -0.32% | 0.64% | 1.39% | 2.54% | +165 bps | |
| Net Interest Margin | 2.60% | 2.78% | 2.80% | 2.74% | 2.75% | +15 bps | |
| Efficiency Ratio | 91.75% | 94.04% | 91.47% | 90.49% | 88.50% | -325 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.79% | 1.58% | -0.32% | 0.78% | -2.28% | -508 bps | |
| Loan Growth (YoY) | -4.32% | 1.36% | 3.93% | 8.71% | 5.62% | +994 bps | |
| Share Growth (YoY) | 3.06% | 1.40% | -0.43% | 0.36% | -2.50% | -556 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 1.14% | 1.36% | 1.19% | 1.43% | +57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.51% | 0.49% | 0.50% | 0.49% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.07% | 8.52% | 8.58% | 8.25% | 8.38% | +31 bps | |
| Net Worth / Assets | 8.07% | 8.52% | 8.58% | 8.25% | 8.38% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.01% | 72.79% | 72.90% | 70.41% | 70.42% | +541 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.27% | 0.00% | 0.00% | 0 bps | |