S. Charleston, WV · Charter 21471
Q1 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.26% | -2.79% | 0.42% | 0.97% | 0.02% | +228 bps | |
| Return on Equity | -37.81% | -50.78% | 6.42% | 13.26% | 0.27% | +3,807 bps | |
| Net Interest Margin | 4.41% | 4.76% | 4.97% | 5.43% | 4.50% | +9 bps | |
| Efficiency Ratio | 76.44% | 78.91% | 83.99% | 94.02% | 98.18% | +2,174 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.03% | -14.89% | -26.93% | -28.03% | -22.94% | -1,490 bps | |
| Loan Growth (YoY) | -25.79% | -32.55% | -31.92% | -37.88% | -46.75% | -2,096 bps | |
| Share Growth (YoY) | -6.04% | -12.69% | -28.15% | -29.45% | -24.07% | -1,803 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.28% | 1.08% | 0.62% | 2.34% | 0.46% | -183 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 1.00% | 1.41% | 3.04% | 2.98% | +160 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.98% | 5.48% | 6.51% | 7.33% | 7.44% | +146 bps | |
| Net Worth / Assets | 5.98% | 5.48% | 6.51% | 7.33% | 7.44% | +146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.60% | 70.11% | 76.65% | 65.92% | 51.62% | -2,198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |