Sioux Falls, SD · Charter 10905
Q4 2012
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.83% | 0.80% | 0.63% | 0.59% | -29 bps | |
| Return on Equity | 11.92% | 11.64% | 10.93% | 8.39% | 8.01% | -391 bps | |
| Net Interest Margin | 3.33% | 3.12% | 3.10% | 3.14% | 3.06% | -26 bps | |
| Efficiency Ratio | 80.03% | 79.20% | 79.22% | 81.92% | 80.65% | +62 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.85% | 18.09% | 14.51% | 8.06% | 9.14% | -571 bps | |
| Loan Growth (YoY) | -4.83% | 0.55% | 1.49% | 1.51% | 2.87% | +770 bps | |
| Share Growth (YoY) | 14.72% | 18.29% | 14.69% | 7.41% | 9.30% | -542 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.70% | 0.72% | 0.61% | 0.92% | +43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.38% | 0.33% | 0.36% | 0.32% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.39% | 7.16% | 7.34% | 7.46% | 7.36% | -3 bps | |
| Net Worth / Assets | 7.39% | 7.16% | 7.34% | 7.46% | 7.36% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.23% | 56.27% | 57.63% | 59.42% | 57.62% | -361 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |