Cumberland, IN · Charter 16896
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Cumberland, IN · Charter 16896
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.08% | -0.05% | -0.03% | -0.08% | -16 bps | |
| Return on Equity | 0.71% | 0.77% | -0.48% | -0.25% | -0.77% | -148 bps | |
| Net Interest Margin | 1.85% | 1.83% | 1.84% | 1.84% | 1.63% | -22 bps | |
| Efficiency Ratio | 99.46% | 99.02% | 103.15% | 101.62% | 103.16% | +370 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.35% | 8.10% | 4.93% | 3.18% | 0.69% | -466 bps | |
| Loan Growth (YoY) | -8.36% | -7.26% | -6.80% | -3.93% | -6.36% | +200 bps | |
| Share Growth (YoY) | 5.58% | 8.65% | 4.58% | 3.49% | 0.56% | -502 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.26% | 1.03% | 0.96% | 0.94% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.19% | 1.19% | 1.31% | 0.96% | -22 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.96% | 10.78% | 10.89% | 11.02% | 10.82% | -14 bps | |
| Net Worth / Assets | 10.96% | 10.78% | 10.89% | 11.02% | 10.82% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.43% | 24.74% | 25.59% | 24.98% | 23.68% | -175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |