Union, WV · Charter 22901
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 | -0.68% | -3.34% | -12.85% | -10.03% | -7.65% | -696 bps | |
| Return on Equity | -7.19% | -34.97% | -297% | -310% | -198.97% | -19,179 bps | |
| Net Interest Margin | 3.56% | 2.43% | 3.37% | 3.82% | 4.21% | +66 bps | |
| Efficiency Ratio | 89.09% | 196.77% | 120.17% | 104.93% | 94.40% | +531 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.77% | 1.54% | 2.88% | 0.12% | -15.40% | -2,617 bps | |
| Loan Growth (YoY) | -11.80% | -18.85% | -31.59% | -26.59% | -29.47% | -1,767 bps | |
| Share Growth (YoY) | 12.72% | 2.75% | 11.12% | 7.82% | -9.98% | -2,270 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.47% | 19.31% | 3.94% | 6.04% | 1.90% | -557 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.36% | 6.81% | 2.79% | 5.79% | 6.29% | +93 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.52% | 9.54% | 4.33% | 3.24% | 3.84% | -568 bps | |
| Net Worth / Assets | 9.52% | 9.54% | 4.33% | 3.24% | 3.84% | -568 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.47% | 54.54% | 43.81% | 43.98% | 43.46% | -1,201 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |