Huntington, WV · Charter 14063
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 | 0.12% | 0.21% | 0.23% | 0.22% | 0.13% | +1 bps | |
| Return on Equity | 0.58% | 1.01% | 1.07% | 1.04% | 0.65% | +7 bps | |
| Net Interest Margin | 2.88% | 2.96% | 3.11% | 2.68% | 2.69% | -18 bps | |
| Efficiency Ratio | 92.49% | 89.96% | 88.74% | 90.86% | 88.61% | -388 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.22% | 1.99% | -5.50% | -0.42% | 5.52% | -71 bps | |
| Loan Growth (YoY) | -19.06% | -15.28% | -16.89% | -14.46% | -19.88% | -81 bps | |
| Share Growth (YoY) | 7.40% | 2.15% | -7.17% | -0.74% | 6.81% | -60 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 1.55% | 1.41% | 1.36% | 1.31% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.10% | 0.82% | 0.92% | 0.33% | -115 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.84% | 20.47% | 21.31% | 20.72% | 19.97% | -87 bps | |
| Net Worth / Assets | 20.84% | 20.47% | 21.31% | 20.72% | 19.97% | -87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.99% | 39.85% | 39.01% | 34.57% | 32.25% | -1,074 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |