Reading, PA · Charter 20138
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.72% | -0.69% | -0.94% | -0.57% | -2.38% | -166 bps | |
| Return on Equity | -11.95% | -11.54% | -17.29% | -10.92% | -63.17% | -5,122 bps | |
| Net Interest Margin | 4.41% | 4.44% | 3.72% | 3.83% | 4.07% | -35 bps | |
| Efficiency Ratio | 86.30% | 87.53% | 103.52% | 96.30% | 106.61% | +2,030 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.18% | -2.38% | -0.05% | 0.12% | -2.59% | -42 bps | |
| Loan Growth (YoY) | -10.66% | -12.03% | -9.06% | -5.78% | -5.15% | +550 bps | |
| Share Growth (YoY) | -1.99% | -1.82% | -0.34% | 0.78% | -0.82% | +116 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.92% | 2.47% | 1.80% | 2.15% | 1.78% | -113 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.38% | 1.05% | 1.29% | 2.45% | +125 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.01% | 5.95% | 5.42% | 5.18% | 3.76% | -224 bps | |
| Net Worth / Assets | 6.01% | 5.95% | 5.42% | 5.18% | 3.76% | -224 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.06% | 86.92% | 82.05% | 82.35% | 84.22% | -384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |