East Stroudsbur, PA · Charter 13295
Q4 2011
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.73% | -2.11% | -1.99% | -2.27% | -4.56% | -282 bps | |
| Return on Equity | -17.67% | -24.07% | -24.44% | -28.10% | -74.34% | -5,668 bps | |
| Net Interest Margin | 4.26% | 4.16% | 3.73% | 3.95% | 4.17% | -8 bps | |
| Efficiency Ratio | 136.44% | 150.17% | 152.62% | 156.74% | 208% | +7,135 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.73% | 7.74% | 10.27% | 0.79% | -12.98% | -2,171 bps | |
| Loan Growth (YoY) | -0.85% | -5.11% | 7.76% | -7.70% | -18.11% | -1,726 bps | |
| Share Growth (YoY) | 12.98% | 12.86% | 15.46% | 4.64% | -9.54% | -2,252 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.72% | 14.10% | 9.47% | 6.95% | 8.83% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.60% | 5.18% | 5.20% | 3.74% | 4.20% | -41 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.81% | 8.76% | 8.13% | 8.09% | 6.13% | -369 bps | |
| Net Worth / Assets | 9.81% | 8.76% | 8.13% | 8.09% | 6.13% | -369 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.61% | 61.13% | 62.70% | 62.71% | 60.30% | -631 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |