Bethlehem, PA · Charter 11713
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -0.18% | -0.22% | -1.23% | -9.12% | -898 bps | |
| Return on Equity | -2.35% | -2.96% | -3.53% | -19.85% | -239% | -23,710 bps | |
| Net Interest Margin | 2.87% | 2.85% | 2.95% | 3.36% | 3.15% | +28 bps | |
| Efficiency Ratio | 103.73% | 104.72% | 105.61% | 110.70% | 294% | +19,020 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.44% | -0.48% | -0.50% | -12.18% | -18.05% | -1,760 bps | |
| Loan Growth (YoY) | -9.78% | -3.07% | -7.93% | -11.01% | -4.11% | +567 bps | |
| Share Growth (YoY) | -0.03% | -0.12% | -0.20% | -11.77% | -17.95% | -1,792 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 2.29% | 1.76% | 1.37% | 0.25% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.26% | 0.27% | 0.44% | 0.29% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.94% | 6.00% | 6.20% | 6.19% | 3.81% | -214 bps | |
| Net Worth / Assets | 5.94% | 6.00% | 6.20% | 6.19% | 3.81% | -214 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.17% | 42.85% | 43.90% | 48.21% | 46.95% | +678 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |