St. James, LA · Charter 21217
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | -0.37% | -0.48% | -0.42% | -0.90% | -56 bps | |
| Return on Equity | -2.76% | -2.85% | -3.86% | -3.50% | -8.18% | -542 bps | |
| Net Interest Margin | 3.63% | 3.81% | 3.56% | 3.44% | 3.20% | -42 bps | |
| Efficiency Ratio | 107.92% | 108.29% | 112.45% | 111.33% | 122.66% | +1,474 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.31% | -1.03% | 0.66% | 2.60% | 3.87% | -445 bps | |
| Loan Growth (YoY) | -0.06% | -4.62% | -8.78% | -9.75% | -11.10% | -1,104 bps | |
| Share Growth (YoY) | 9.34% | 0.16% | -0.09% | 3.78% | 5.44% | -390 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.15% | 2.21% | 4.45% | 3.76% | 4.99% | +284 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.23% | 1.36% | 1.41% | 1.73% | +52 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.18% | 12.88% | 12.45% | 12.02% | 10.97% | -122 bps | |
| Net Worth / Assets | 12.18% | 12.88% | 12.45% | 12.02% | 10.97% | -122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.84% | 62.78% | 57.59% | 54.74% | 50.46% | -939 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |