Tallahassee, FL · Charter 11251
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 | 1.59% | 0.41% | -1.61% | -3.04% | -3.18% | -477 bps | |
| Return on Equity | 36.78% | 9.20% | -44.73% | -137.48% | -212% | -24,918 bps | |
| Net Interest Margin | 4.49% | 4.20% | 4.27% | 4.23% | 4.22% | -27 bps | |
| Efficiency Ratio | 74.83% | 82.35% | 80.43% | 91.26% | 108.37% | +3,354 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.97% | -11.46% | -11.29% | -5.94% | -5.65% | +932 bps | |
| Loan Growth (YoY) | -21.23% | -17.86% | -17.04% | -18.95% | -18.74% | +249 bps | |
| Share Growth (YoY) | -16.32% | -11.57% | -11.08% | -4.78% | -3.95% | +1,237 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.13% | 10.63% | 8.67% | 6.76% | 8.54% | -59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.76% | 4.23% | 4.62% | 5.46% | 4.25% | -51 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.32% | 4.41% | 3.61% | 2.21% | 1.50% | -282 bps | |
| Net Worth / Assets | 4.32% | 4.41% | 3.61% | 2.21% | 1.50% | -282 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.56% | 58.94% | 57.64% | 54.15% | 52.08% | -948 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |