Willow Grove, PA · Charter 17286
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 | -5.59% | -3.17% | -3.35% | -2.94% | -2.82% | +277 bps | |
| Return on Equity | -13.35% | -7.47% | -7.80% | -6.46% | -6.20% | +716 bps | |
| Net Interest Margin | 0.46% | 0.49% | 0.81% | 0.94% | 0.92% | +46 bps | |
| Efficiency Ratio | 1317% | 747% | 490% | 400% | 394% | -92,246 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.83% | -6.88% | -12.56% | -16.31% | -10.77% | -394 bps | |
| Loan Growth (YoY) | 95.97% | 203% | 369% | 725% | 35.26% | -6,072 bps | |
| Share Growth (YoY) | -4.52% | -6.14% | -13.65% | -22.04% | -16.39% | -1,187 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 11.63% | 23.25% | +2,325 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 31.22% | 26.72% | 23.37% | 23.08% | 23.08% | -814 bps | |
| Capital | |||||||
| Risk-Based Capital | 41.90% | 42.45% | 42.95% | 45.58% | 45.58% | +368 bps | |
| Net Worth / Assets | 41.90% | 42.45% | 42.95% | 45.58% | 45.58% | +368 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 17.78% | 21.47% | 25.55% | 28.76% | 28.76% | +1,098 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |