Baltimore, MD · Charter 23576
Q3 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.64% | -0.55% | -1.00% | -1.03% | -1.14% | -50 bps | |
| Return on Equity | -7.40% | -5.97% | -12.63% | -13.09% | -15.46% | -806 bps | |
| Net Interest Margin | 3.86% | 4.11% | 3.34% | 3.37% | 3.28% | -58 bps | |
| Efficiency Ratio | 103.69% | 100.39% | 110.21% | 104.06% | 105.11% | +143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.48% | 0.02% | 16.19% | 7.97% | 4.32% | -1,016 bps | |
| Loan Growth (YoY) | -12.14% | -14.24% | -16.06% | -19.97% | -23.99% | -1,185 bps | |
| Share Growth (YoY) | 16.86% | 0.74% | 18.98% | 9.83% | 5.97% | -1,090 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.88% | 1.00% | 0.90% | 2.80% | 0.54% | -234 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.14% | 0.81% | 0.78% | 1.19% | 1.22% | -92 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.66% | 9.22% | 7.94% | 7.91% | 7.41% | -125 bps | |
| Net Worth / Assets | 8.66% | 9.22% | 7.94% | 7.91% | 7.41% | -125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.98% | 52.33% | 42.17% | 42.15% | 36.57% | -1,441 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |