Gadsden, AL · Charter 24665
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 | 0.35% | 0.46% | 0.52% | 0.57% | 0.62% | +28 bps | |
| Return on Equity | 3.23% | 4.16% | 4.97% | 5.41% | 5.86% | +263 bps | |
| Net Interest Margin | 3.50% | 3.71% | 3.83% | 3.60% | 3.62% | +12 bps | |
| Efficiency Ratio | 80.80% | 79.44% | 83.16% | 82.93% | 82.35% | +155 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.38% | 9.00% | 9.83% | 10.48% | 7.16% | -722 bps | |
| Loan Growth (YoY) | 4.32% | 3.52% | 4.70% | 3.97% | 3.54% | -78 bps | |
| Share Growth (YoY) | 15.53% | 9.71% | 10.18% | 10.79% | 6.35% | -918 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.69% | 2.34% | 1.49% | 1.66% | 1.65% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 1.08% | 1.08% | 1.01% | 0.98% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.71% | 11.06% | 10.41% | 10.47% | 10.64% | -7 bps | |
| Net Worth / Assets | 10.71% | 11.06% | 10.41% | 10.47% | 10.64% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.63% | 76.00% | 70.64% | 70.51% | 71.69% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |