Terry, MS · Charter 2426
Q4 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | 0.08% | -0.09% | -0.26% | -7.21% | -704 bps | |
| Return on Equity | -0.80% | 0.38% | -0.45% | -1.24% | -49.94% | -4,914 bps | |
| Net Interest Margin | 3.48% | 3.32% | 3.13% | 3.01% | -0.91% | -438 bps | |
| Efficiency Ratio | 104.58% | 97.36% | 103.43% | 108.89% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.37% | -3.49% | -3.00% | -1.59% | -3.10% | +128 bps | |
| Loan Growth (YoY) | 15.82% | -7.56% | -12.10% | -9.62% | -11.04% | -2,686 bps | |
| Share Growth (YoY) | -5.17% | -4.25% | -3.56% | -1.86% | 5.37% | +1,054 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 0.23% | 0.03% | 0.14% | 0.13% | -81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.11% | 0.12% | 0.10% | 0.09% | 0.12% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.97% | 20.98% | 21.03% | 20.80% | 14.43% | -654 bps | |
| Net Worth / Assets | 20.97% | 20.98% | 21.03% | 20.80% | 14.43% | -654 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.54% | 51.30% | 52.74% | 54.07% | 47.74% | -880 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |