Ashby, MN · Charter 1938
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 | -1.84% | -1.45% | 0.71% | -0.01% | -0.19% | +165 bps | |
| Return on Equity | -29.68% | -22.80% | 10.68% | -0.19% | -3.06% | +2,662 bps | |
| Net Interest Margin | 4.04% | 4.14% | 4.10% | 3.80% | 3.87% | -17 bps | |
| Efficiency Ratio | 122.47% | 118.18% | 84.69% | 100.28% | 104.54% | -1,793 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -24.58% | -14.97% | -8.13% | -5.34% | -6.66% | +1,792 bps | |
| Loan Growth (YoY) | -22.46% | -23.24% | -10.15% | -17.30% | -21.04% | +142 bps | |
| Share Growth (YoY) | -24.06% | -14.16% | -7.72% | -4.96% | -6.89% | +1,716 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.85% | 3.67% | 0.18% | 3.13% | 1.13% | -272 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.94% | 2.12% | 2.37% | 2.72% | 3.54% | +160 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.21% | 6.36% | 6.62% | 6.30% | 6.32% | +11 bps | |
| Net Worth / Assets | 6.21% | 6.36% | 6.62% | 6.30% | 6.32% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.59% | 65.28% | 66.31% | 61.69% | 53.93% | -966 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |