Wilmington, DE · Charter 14244
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wilmington, DE · Charter 14244
Q4 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | -0.40% | -0.50% | -0.47% | -1.64% | -147 bps | |
| Return on Equity | -1.30% | -3.12% | -3.95% | -3.75% | -13.60% | -1,231 bps | |
| Net Interest Margin | 4.25% | 4.23% | 4.06% | 3.99% | 4.14% | -10 bps | |
| Efficiency Ratio | 103.01% | 108.16% | 110.55% | 110.19% | 110.48% | +747 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.30% | -7.42% | -4.80% | -2.33% | -6.66% | +265 bps | |
| Loan Growth (YoY) | -4.14% | -3.77% | -7.07% | -4.54% | -8.40% | -426 bps | |
| Share Growth (YoY) | -11.64% | -8.03% | -5.03% | -2.31% | -3.97% | +767 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 2.78% | 3.21% | 4.47% | 2.92% | +159 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.71% | 2.76% | 2.63% | 2.40% | 2.42% | -29 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.75% | 12.88% | 12.70% | 12.64% | 12.02% | -73 bps | |
| Net Worth / Assets | 12.75% | 12.88% | 12.70% | 12.64% | 12.02% | -73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.10% | 76.85% | 73.31% | 72.25% | 73.55% | -355 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |