Willow Grove, PA · Charter 19550
Q4 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.65% | -0.73% | -9.99% | -7.57% | -5.76% | -511 bps | |
| Return on Equity | -2.38% | -3.19% | -54.07% | -41.56% | -30.00% | -2,762 bps | |
| Net Interest Margin | 3.16% | 1.80% | -6.26% | -3.96% | 0.91% | -224 bps | |
| Efficiency Ratio | 111.22% | 140.27% | n/a | n/a | 450% | +33,860 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.59% | -3.00% | -13.82% | -9.40% | -10.74% | -115 bps | |
| Loan Growth (YoY) | -23.94% | -38.13% | -34.69% | -42.98% | -44.82% | -2,088 bps | |
| Share Growth (YoY) | -11.36% | 4.30% | -6.33% | 1.40% | -1.65% | +972 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 22.86% | 25.47% | 35.08% | 38.85% | 6.26% | -1,660 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 15.84% | 25.15% | 26.34% | 28.91% | 12.13% | -371 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.12% | 22.74% | 18.48% | 18.22% | 19.19% | -793 bps | |
| Net Worth / Assets | 27.12% | 22.74% | 18.48% | 18.22% | 19.19% | -793 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.46% | 33.81% | 31.37% | 29.00% | 28.87% | -2,259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |