Pensacola, FL · Charter 22225
Q4 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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | 0.61% | -0.46% | -0.89% | -7.04% | -625 bps | |
| Return on Equity | -3.46% | 2.67% | -1.96% | -3.98% | -37.78% | -3,432 bps | |
| Net Interest Margin | 2.88% | 2.56% | 2.64% | 2.43% | 2.62% | -26 bps | |
| Efficiency Ratio | 118.46% | 104.73% | 116.88% | 127.93% | 203% | +8,445 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.08% | 9.71% | 2.77% | 0.69% | -11.81% | -1,590 bps | |
| Loan Growth (YoY) | -29.79% | -32.98% | -32.73% | -33.18% | -24.84% | +495 bps | |
| Share Growth (YoY) | 7.09% | 14.19% | 5.16% | 2.79% | -8.01% | -1,510 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.64% | 0.00% | 0.00% | 0.01% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 1.50% | 1.47% | 1.55% | 13.49% | +1,223 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.91% | 22.66% | 23.65% | 22.32% | 18.64% | -428 bps | |
| Net Worth / Assets | 22.91% | 22.66% | 23.65% | 22.32% | 18.64% | -428 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.45% | 32.20% | 33.54% | 28.50% | 28.96% | -649 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |