Rockville, MD · Charter 24806
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rockville, MD · Charter 24806
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 | -2.99% | -2.73% | -2.54% | -2.19% | -1.64% | +134 bps | |
| Return on Equity | -44.99% | -41.14% | -39.90% | -36.40% | -27.87% | +1,712 bps | |
| Net Interest Margin | 2.63% | 2.82% | 2.81% | 2.38% | 2.45% | -18 bps | |
| Efficiency Ratio | 176.85% | 158.60% | 150.60% | 138.85% | 135.35% | -4,149 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 129.32% | 53.21% | -6.47% | -15.53% | -13.54% | -14,286 bps | |
| Loan Growth (YoY) | 79.49% | 40.86% | -2.71% | -19.32% | -20.67% | -10,016 bps | |
| Share Growth (YoY) | 172.61% | 69.66% | -4.02% | -15.03% | -13.09% | -18,570 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 1.17% | 1.53% | 9.16% | 1.05% | +43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 1.48% | 1.68% | 1.60% | 1.29% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.64% | 6.65% | 6.38% | 6.01% | 5.90% | -74 bps | |
| Net Worth / Assets | 6.64% | 6.65% | 6.38% | 6.01% | 5.90% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.96% | 55.66% | 51.62% | 48.78% | 48.34% | -462 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |