Hazleton, PA · Charter 13824
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.30% | -1.69% | -2.40% | -2.68% | -1.99% | -69 bps | |
| Return on Equity | -8.57% | -10.87% | -16.72% | -18.87% | -12.83% | -426 bps | |
| Net Interest Margin | 1.78% | 1.84% | 1.91% | 1.36% | 1.63% | -15 bps | |
| Efficiency Ratio | 157.52% | 174.93% | 168.87% | 289% | 199.06% | +4,154 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.59% | -5.26% | -7.18% | -7.33% | -14.77% | -719 bps | |
| Loan Growth (YoY) | 6.83% | 19.39% | 1.80% | 0.76% | -18.54% | -2,538 bps | |
| Share Growth (YoY) | -5.94% | -3.25% | -4.95% | -5.82% | -14.80% | -886 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.56% | 11.52% | 1.04% | 1.34% | 0.57% | -1,099 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.08% | 5.31% | 4.41% | 4.94% | 4.88% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.18% | 15.51% | 14.37% | 14.23% | 15.49% | +30 bps | |
| Net Worth / Assets | 15.18% | 15.51% | 14.37% | 14.23% | 15.49% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.22% | 37.47% | 33.99% | 31.51% | 35.58% | -164 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |