McComb, MS · Charter 16690
Q1 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.23% | -0.41% | -0.35% | -0.80% | 6.48% | +771 bps | |
| Return on Equity | -12.83% | -4.02% | -3.37% | -7.71% | 53.11% | +6,594 bps | |
| Net Interest Margin | 2.53% | 2.58% | 2.60% | 2.55% | 1.75% | -78 bps | |
| Efficiency Ratio | 149.58% | 142.32% | 142.17% | 156.28% | 206% | +5,661 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.55% | -14.14% | -16.84% | -17.11% | -13.00% | -345 bps | |
| Loan Growth (YoY) | -39.81% | -40.52% | -45.39% | -50.30% | -54.53% | -1,472 bps | |
| Share Growth (YoY) | -7.42% | -11.99% | -14.88% | -14.32% | -15.69% | -826 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.01% | 11.89% | 2.81% | 3.34% | 4.20% | -582 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.94% | 10.98% | 12.26% | 14.28% | 2.85% | -809 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.60% | 10.14% | 10.48% | 10.40% | 12.19% | +259 bps | |
| Net Worth / Assets | 9.60% | 10.14% | 10.48% | 10.40% | 12.19% | +259 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.55% | 24.77% | 21.53% | 18.86% | 14.32% | -1,223 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |