Wyoming, PA · Charter 23548
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 | -1.12% | -1.33% | -1.43% | -0.96% | -2.95% | -182 bps | |
| Return on Equity | -8.86% | -10.91% | -11.45% | -8.16% | -26.54% | -1,768 bps | |
| Net Interest Margin | 1.81% | 1.89% | 1.94% | 1.73% | 0.86% | -95 bps | |
| Efficiency Ratio | 161.98% | 169.99% | 173.15% | 154.82% | 434% | +27,173 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.92% | 3.82% | -4.15% | 0.67% | -5.65% | -1,357 bps | |
| Loan Growth (YoY) | -8.11% | -2.42% | 9.46% | 18.82% | 1.95% | +1,006 bps | |
| Share Growth (YoY) | 13.14% | 8.30% | -1.84% | 2.40% | -3.87% | -1,702 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.40% | 9.14% | 9.70% | 5.63% | 2.04% | -736 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.48% | 2.48% | 2.60% | 2.35% | 2.51% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.66% | 12.18% | 12.48% | 11.79% | 11.10% | -156 bps | |
| Net Worth / Assets | 12.66% | 12.18% | 12.48% | 11.79% | 11.10% | -156 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.95% | 24.93% | 25.91% | 26.87% | 26.47% | +151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |