Bristol, PA · Charter 23491
Q2 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.96% | -1.07% | -1.10% | -0.99% | -1.40% | -44 bps | |
| Return on Equity | -11.57% | -12.48% | -13.51% | -13.35% | -20.68% | -911 bps | |
| Net Interest Margin | 2.46% | 2.58% | 2.47% | 1.95% | 1.85% | -61 bps | |
| Efficiency Ratio | 137.17% | 139.55% | 142.45% | 148.32% | 171.15% | +3,398 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.78% | -3.78% | 3.46% | 6.17% | 2.46% | -132 bps | |
| Loan Growth (YoY) | -18.15% | -28.07% | -27.86% | -29.09% | -35.53% | -1,738 bps | |
| Share Growth (YoY) | 5.75% | -2.52% | 5.51% | 8.16% | 4.30% | -146 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.48% | 5.24% | 5.80% | 6.27% | 6.76% | +228 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.47% | 1.74% | 1.88% | 2.28% | 2.62% | +115 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.29% | 8.56% | 8.11% | 7.44% | 6.79% | -150 bps | |
| Net Worth / Assets | 8.29% | 8.56% | 8.11% | 7.44% | 6.79% | -150 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.02% | 18.86% | 17.94% | 14.35% | 12.37% | -764 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |