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Wilberforce University

Wilberforce, OH · Charter 22714

Q1 2012

$130KAssets
$15KLoans
$88KShares
$42KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.03%, up 147 bps year over year; NIM at 1.88%.
  • Asset quality: problem loans at 0.00% of loans (-1,151 bps YoY).
  • Capital: net worth / assets of 32.34%, up 142 bps from a year ago.
  • Funding: loans stand at 17.04% of shares as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

1.03%+147 bps YoY

Net Interest Margin (YTD, annualized)

1.88%-45 bps YoY

Efficiency Ratio (YTD, annualized)

50.66%-6,800 bps YoY

Net Worth / Assets

32.34%+142 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-0.44%-4.57%-3.17%-3.71%1.03%+147 bps
Return on Equity-1.41%-16.23%-11.07%-10.34%3.19%+460 bps
Net Interest Margin2.34%2.13%2.13%2.62%1.88%-45 bps
Efficiency Ratio118.66%165.69%147.63%161.29%50.66%-6,800 bps
Growth
Asset Growth (YoY)-6.06%0.63%-8.67%-27.98%-12.36%-630 bps
Loan Growth (YoY)-24.01%-28.26%-33.94%-28.89%-26.87%-286 bps
Share Growth (YoY)0.50%12.02%-2.68%-35.24%-14.17%-1,466 bps
Asset Quality
Delinquent Loans / Loans11.51%0.00%0.00%0.00%0.00%-1,151 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans18.59%17.95%20.38%21.65%25.66%+708 bps
Capital
Risk-Based Capital30.91%28.18%28.63%35.86%32.34%+142 bps
Net Worth / Assets30.91%28.18%28.63%35.86%32.34%+142 bps
Liquidity & Funding
Loans / Shares20.00%19.76%17.83%23.82%17.04%-296 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps