Tampa, FL · Charter 23042
Q3 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 1.35% | 1.35% | 1.26% | 1.24% | +12 bps | |
| Return on Equity | 15.98% | 17.99% | 18.07% | 16.33% | 15.43% | -55 bps | |
| Net Interest Margin | 3.13% | 3.10% | 2.91% | 2.85% | 2.86% | -27 bps | |
| Efficiency Ratio | 50.02% | 50.86% | 50.00% | 51.87% | 55.20% | +518 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.78% | 5.50% | 6.09% | 6.16% | 6.14% | +136 bps | |
| Loan Growth (YoY) | -3.37% | -3.61% | -1.61% | 1.63% | 5.23% | +860 bps | |
| Share Growth (YoY) | 4.52% | 5.01% | 5.42% | 5.77% | 5.31% | +79 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.77% | 3.59% | 3.12% | 3.08% | 3.00% | -77 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.60% | 4.21% | 4.08% | 4.03% | 3.78% | -82 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.05% | 7.52% | 7.50% | 7.70% | 8.06% | +101 bps | |
| Net Worth / Assets | 7.05% | 7.52% | 7.50% | 7.70% | 8.06% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.19% | 77.84% | 74.44% | 75.29% | 79.13% | -7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |