Glendale, WV · Charter 21592
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 | -0.58% | -0.69% | -1.00% | -1.00% | -3.94% | -336 bps | |
| Return on Equity | -3.57% | -4.57% | -6.66% | -6.15% | -28.05% | -2,448 bps | |
| Net Interest Margin | 1.76% | 1.56% | 1.51% | 1.63% | -2.76% | -451 bps | |
| Efficiency Ratio | 133.19% | 144.20% | 166.44% | 161.19% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.74% | 24.26% | 11.57% | -8.94% | 3.32% | -42 bps | |
| Loan Growth (YoY) | -30.44% | -25.63% | -36.90% | -31.69% | -32.02% | -157 bps | |
| Share Growth (YoY) | 5.61% | 31.44% | 15.44% | -9.26% | 4.90% | -71 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.50% | 0.42% | 0.47% | 2.76% | +276 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.03% | 1.98% | 2.36% | 2.61% | 2.99% | +96 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.33% | 15.11% | 15.07% | 16.23% | 14.04% | -229 bps | |
| Net Worth / Assets | 16.33% | 15.11% | 15.07% | 16.23% | 14.04% | -229 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.92% | 21.72% | 18.39% | 18.62% | 14.85% | -806 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |