Chambersburg, PA · Charter 17624
Q4 2011
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | -0.01% | 0.23% | -0.88% | -3.65% | -408 bps | |
| Return on Equity | 8.89% | -0.14% | 4.97% | -23.08% | -451% | -45,952 bps | |
| Net Interest Margin | 5.65% | 5.87% | 6.13% | 6.15% | 6.05% | +40 bps | |
| Efficiency Ratio | 84.81% | 94.52% | 89.46% | 85.85% | 133.77% | +4,896 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.14% | 15.18% | 8.01% | 3.48% | -3.16% | -2,330 bps | |
| Loan Growth (YoY) | 22.38% | 4.85% | 5.58% | 0.79% | -11.07% | -3,345 bps | |
| Share Growth (YoY) | 20.64% | 20.76% | 10.19% | 1.20% | -2.04% | -2,268 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.59% | 2.24% | 3.12% | 2.85% | 2.98% | +139 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.87% | 0.65% | 1.38% | 1.17% | +66 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.92% | 4.24% | 4.56% | 3.80% | 0.81% | -411 bps | |
| Net Worth / Assets | 4.92% | 4.24% | 4.56% | 3.80% | 0.81% | -411 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.13% | 84.95% | 90.77% | 91.21% | 83.64% | -849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |