Winchester, KY · Charter 15943
Q2 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.60% | 0.38% | -0.22% | 0.19% | -45 bps | |
| Return on Equity | 6.66% | 6.04% | 3.88% | -2.28% | 1.99% | -467 bps | |
| Net Interest Margin | 1.93% | 2.00% | 1.79% | 0.94% | 0.92% | -101 bps | |
| Efficiency Ratio | 65.70% | 70.01% | 78.61% | 119.51% | 81.42% | +1,572 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.91% | -0.06% | -1.99% | 1.62% | 1.61% | -230 bps | |
| Loan Growth (YoY) | -7.32% | -6.41% | -11.00% | -12.39% | -15.10% | -778 bps | |
| Share Growth (YoY) | 5.27% | 0.07% | -2.26% | 0.67% | 1.72% | -356 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.02% | 0.02% | 0.02% | 0.07% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.62% | 0.66% | 0.71% | 0.73% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.66% | 9.88% | 9.74% | 9.60% | 9.64% | -2 bps | |
| Net Worth / Assets | 9.66% | 9.88% | 9.74% | 9.60% | 9.64% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.38% | 69.82% | 65.26% | 60.73% | 57.91% | -1,147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |