Harbor, OR · Charter 12047
Q3 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.14% | -5.48% | -29.18% | -0.51% | -0.28% | +585 bps | |
| Return on Equity | -610% | -1639% | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 4.00% | 4.05% | 3.31% | 3.66% | 3.84% | -16 bps | |
| Efficiency Ratio | 112.41% | 111.20% | 149.86% | 96.43% | 96.22% | -1,619 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.59% | -20.42% | -23.17% | -22.71% | -18.04% | +55 bps | |
| Loan Growth (YoY) | -16.44% | -16.58% | -13.93% | -12.56% | -12.25% | +419 bps | |
| Share Growth (YoY) | -8.23% | -18.25% | -14.60% | -16.08% | -12.74% | -452 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.04% | 19.25% | 24.41% | 25.60% | 23.81% | +577 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.84% | 7.29% | 13.63% | 13.32% | 12.83% | +600 bps | |
| Capital | |||||||
| Risk-Based Capital | 1.01% | 0.33% | -6.93% | -7.08% | -7.31% | -832 bps | |
| Net Worth / Assets | 1.01% | 0.33% | -6.93% | -7.08% | -7.31% | -832 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.19% | 104.90% | 100.88% | 100.95% | 97.73% | +54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |