Clarksville, IN · Charter 12849
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 | 0.44% | 0.52% | 0.54% | 0.15% | 0.10% | -35 bps | |
| Return on Equity | 5.22% | 6.00% | 6.15% | 1.67% | 1.10% | -413 bps | |
| Net Interest Margin | 2.89% | 2.80% | 2.81% | 2.85% | 2.81% | -8 bps | |
| Efficiency Ratio | 81.95% | 81.65% | 82.86% | 96.21% | 97.54% | +1,559 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.00% | 8.86% | 8.32% | -0.45% | -1.07% | -1,007 bps | |
| Loan Growth (YoY) | -6.67% | -12.78% | -6.85% | 0.01% | 5.44% | +1,210 bps | |
| Share Growth (YoY) | 9.14% | 8.75% | 8.47% | -1.09% | -1.61% | -1,075 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.65% | 0.51% | 0.32% | 0.14% | -61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.48% | 0.50% | 0.63% | 0.60% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.52% | 8.72% | 8.78% | 9.01% | 8.98% | +47 bps | |
| Net Worth / Assets | 8.52% | 8.72% | 8.78% | 9.01% | 8.98% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.37% | 52.01% | 50.57% | 54.24% | 56.12% | +375 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |