Nitro, WV · Charter 247
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 | -1.18% | -1.78% | -1.61% | -1.80% | -2.54% | -136 bps | |
| Return on Equity | -8.78% | -13.72% | -12.25% | -14.14% | -20.77% | -1,200 bps | |
| Net Interest Margin | 2.55% | 2.56% | 2.55% | 2.11% | 2.19% | -36 bps | |
| Efficiency Ratio | 148.91% | 163.02% | 162.93% | 180.13% | 185.26% | +3,636 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.84% | -15.91% | -10.02% | -6.31% | -7.72% | +813 bps | |
| Loan Growth (YoY) | -22.23% | -22.15% | -24.02% | -19.36% | -12.47% | +976 bps | |
| Share Growth (YoY) | -16.61% | -18.95% | -7.08% | -5.53% | -6.53% | +1,008 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.45% | 3.20% | 3.36% | 0.33% | 0.01% | -244 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 1.50% | 1.06% | 1.16% | 0.41% | -118 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.44% | 12.99% | 13.12% | 12.74% | 12.24% | -120 bps | |
| Net Worth / Assets | 13.44% | 12.99% | 13.12% | 12.74% | 12.24% | -120 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.26% | 47.32% | 44.05% | 42.72% | 43.32% | -294 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |