Tucson, AZ · Charter 21890
Q4 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -0.97% | 0.70% | 0.31% | -1.96% | -182 bps | |
| Return on Equity | -2.36% | -18.71% | 11.97% | 5.26% | -53.60% | -5,124 bps | |
| Net Interest Margin | 5.13% | 5.00% | 4.96% | 5.09% | 5.13% | 0 bps | |
| Efficiency Ratio | 81.19% | 86.92% | 86.57% | 92.03% | 112.60% | +3,140 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.16% | -0.17% | -2.09% | -3.57% | -3.69% | -1,086 bps | |
| Loan Growth (YoY) | -13.10% | -13.23% | -13.51% | -10.94% | -8.83% | +427 bps | |
| Share Growth (YoY) | 9.78% | 0.36% | -1.48% | -3.05% | -2.72% | -1,250 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.80% | 1.83% | 1.50% | 2.19% | 2.22% | -58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.37% | 3.15% | 1.89% | 1.64% | 2.56% | +119 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.13% | 5.19% | 5.80% | 5.81% | 3.66% | -248 bps | |
| Net Worth / Assets | 6.13% | 5.19% | 5.80% | 5.81% | 3.66% | -248 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.93% | 54.81% | 54.86% | 56.21% | 53.35% | -358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |