Seaford, DE · Charter 19930
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 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.
Seaford, DE · Charter 19930
Q3 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | -0.42% | -2.53% | -0.97% | -0.51% | -44 bps | |
| Return on Equity | -0.88% | -5.80% | -39.86% | -14.57% | -7.23% | -635 bps | |
| Net Interest Margin | 5.62% | 5.73% | 5.26% | 5.36% | 5.54% | -8 bps | |
| Efficiency Ratio | 89.30% | 89.73% | 94.30% | 90.99% | 89.89% | +59 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.56% | 0.31% | -1.98% | -1.98% | -4.25% | -269 bps | |
| Loan Growth (YoY) | -3.49% | -2.69% | -2.47% | -2.03% | -10.54% | -705 bps | |
| Share Growth (YoY) | -2.50% | 1.32% | -1.22% | -1.18% | -3.00% | -50 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.51% | 1.97% | 2.22% | 1.20% | 0.69% | -182 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.60% | 1.51% | 2.38% | 2.21% | 1.79% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.47% | 7.26% | 6.35% | 6.66% | 7.04% | -43 bps | |
| Net Worth / Assets | 7.47% | 7.26% | 6.35% | 6.66% | 7.04% | -43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.54% | 90.47% | 82.10% | 84.56% | 83.51% | -704 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.29% | 0.00% | 0.00% | 0 bps | |