Bluefield, WV · Charter 20140
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 | 0.25% | -0.73% | -1.36% | -1.58% | -2.36% | -262 bps | |
| Return on Equity | 1.89% | -4.98% | -9.89% | -12.45% | -17.00% | -1,889 bps | |
| Net Interest Margin | 6.31% | 5.66% | 5.15% | 4.96% | 5.67% | -64 bps | |
| Efficiency Ratio | 94.05% | 112.35% | 124.94% | 130.27% | 139.57% | +4,552 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.12% | -7.19% | 10.18% | 3.65% | -17.78% | -3,090 bps | |
| Loan Growth (YoY) | -17.80% | -33.06% | -29.87% | -24.53% | -18.44% | -64 bps | |
| Share Growth (YoY) | 15.78% | -7.61% | 12.97% | 6.29% | -18.00% | -3,377 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.96% | 0.00% | 0.00% | 0.27% | 0.37% | -159 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.41% | 0.39% | 0.39% | 0.40% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.45% | 14.71% | 13.71% | 12.68% | 13.90% | +45 bps | |
| Net Worth / Assets | 13.45% | 14.71% | 13.71% | 12.68% | 13.90% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.89% | 61.87% | 61.91% | 56.89% | 65.54% | -35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |