Charleston, SC · Charter 24686
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 | 0.37% | 0.25% | 0.24% | 0.09% | 0.28% | -10 bps | |
| Return on Equity | 2.09% | 1.39% | 1.34% | 0.47% | 1.52% | -57 bps | |
| Net Interest Margin | 3.89% | 3.77% | 3.81% | 3.58% | 3.26% | -63 bps | |
| Efficiency Ratio | 81.42% | 81.24% | 80.59% | 81.56% | 82.86% | +144 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -24.62% | -25.92% | -10.36% | -2.22% | -0.80% | +2,382 bps | |
| Loan Growth (YoY) | -25.54% | -26.99% | -22.04% | -19.67% | -20.38% | +516 bps | |
| Share Growth (YoY) | -28.48% | -29.69% | -12.46% | -2.86% | -1.04% | +2,745 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.17% | 7.20% | 5.99% | 0.81% | 0.00% | -1,017 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.67% | 5.70% | 5.45% | 5.79% | 5.95% | +128 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.94% | 17.60% | 18.16% | 18.41% | 18.28% | +34 bps | |
| Net Worth / Assets | 17.94% | 17.60% | 18.16% | 18.41% | 18.28% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.15% | 42.40% | 45.88% | 41.13% | 37.94% | -922 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |