Beaumont, TX · Charter 16826
Q3 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 0.32% | -8.81% | -4.84% | 0.00% | -118 bps | |
| Return on Equity | 3.92% | 0.97% | -28.96% | -14.82% | 0.00% | -392 bps | |
| Net Interest Margin | 3.16% | 2.59% | 1.61% | 1.88% | 0.00% | -316 bps | |
| Efficiency Ratio | 52.50% | 71.82% | 119.56% | 108.95% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 11.60% | -7.12% | -4.38% | -13.23% | -96.73% | -10,833 bps | |
| Loan Growth (YoY) | 81.55% | -25.37% | -31.41% | -54.38% | -81.54% | -16,309 bps | |
| Share Growth (YoY) | 15.03% | -12.19% | -2.52% | -15.47% | -100.00% | -11,503 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.34% | 14.50% | 19.32% | 0.00% | 0.00% | -634 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.90% | 6.00% | 25.36% | 16.20% | 0.00% | -490 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.20% | 32.95% | 30.42% | 32.67% | 5.63% | -2,458 bps | |
| Net Worth / Assets | 30.20% | 32.95% | 30.42% | 32.67% | 5.63% | -2,458 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.87% | 23.68% | 17.37% | 13.99% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |