Huntington, WV · Charter 24533
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | -0.71% | -0.55% | -9.63% | -8.81% | -802 bps | |
| Return on Equity | -13.15% | -11.58% | -9.07% | -267% | -505% | -49,179 bps | |
| Net Interest Margin | 3.53% | 3.63% | 3.69% | 3.35% | 3.39% | -14 bps | |
| Efficiency Ratio | 104.17% | 103.94% | 103.34% | 190.86% | 228% | +12,340 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.16% | -1.70% | -0.05% | -3.71% | -4.96% | -612 bps | |
| Loan Growth (YoY) | -9.95% | -7.38% | -8.38% | -7.20% | -4.48% | +547 bps | |
| Share Growth (YoY) | 1.97% | -1.20% | 0.44% | -1.86% | -2.98% | -495 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.72% | 2.11% | 2.23% | 0.68% | 0.83% | -189 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.71% | 0.69% | 1.86% | 1.80% | +108 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.98% | 6.13% | 6.09% | 3.61% | 1.75% | -424 bps | |
| Net Worth / Assets | 5.98% | 6.13% | 6.09% | 3.61% | 1.75% | -424 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.09% | 54.22% | 52.85% | 49.55% | 50.30% | -79 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |