Canonsburg, PA · Charter 20065
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Canonsburg, PA · Charter 20065
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 | 1.40% | 0.72% | 0.75% | 0.51% | 0.72% | -68 bps | |
| Return on Equity | 15.14% | 7.75% | 8.03% | 5.15% | 7.19% | -795 bps | |
| Net Interest Margin | 2.60% | 2.24% | 2.20% | 2.25% | 2.11% | -49 bps | |
| Efficiency Ratio | 46.26% | 68.05% | 66.09% | 77.30% | 66.05% | +1,978 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.54% | 6.16% | -0.56% | -4.27% | -4.76% | -1,730 bps | |
| Loan Growth (YoY) | 13.93% | 4.71% | -3.87% | 11.70% | -3.01% | -1,694 bps | |
| Share Growth (YoY) | 12.72% | 5.66% | -1.61% | -5.51% | -5.57% | -1,830 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.14% | 0.27% | 0.64% | 0.48% | 0.49% | -265 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.78% | 0.80% | 0.76% | 0.79% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.26% | 9.27% | 9.31% | 9.94% | 10.03% | +77 bps | |
| Net Worth / Assets | 9.26% | 9.27% | 9.31% | 9.94% | 10.03% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.72% | 47.71% | 46.84% | 52.42% | 50.04% | +132 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |