Harrisburg, PA · Charter 2943
Q2 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | -0.29% | 0.12% | 0.02% | -8.78% | -868 bps | |
| Return on Equity | -0.94% | -3.01% | 1.21% | 0.18% | -107.87% | -10,693 bps | |
| Net Interest Margin | 3.57% | 3.63% | 3.67% | 4.04% | 4.78% | +121 bps | |
| Efficiency Ratio | 102.54% | 107.70% | 97.03% | 99.52% | 104.70% | +216 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.72% | 2.58% | 5.18% | -10.07% | -20.61% | -1,889 bps | |
| Loan Growth (YoY) | 0.79% | 2.96% | -5.90% | -7.13% | -23.23% | -2,402 bps | |
| Share Growth (YoY) | -1.94% | 3.11% | 6.16% | -10.98% | -18.60% | -1,667 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.81% | 9.11% | 9.98% | 12.14% | 7.28% | -152 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.20% | 1.28% | 1.37% | 1.69% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.02% | 9.68% | 9.62% | 10.88% | 8.14% | -188 bps | |
| Net Worth / Assets | 10.02% | 9.68% | 9.62% | 10.88% | 8.14% | -188 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.88% | 96.64% | 89.00% | 95.47% | 91.37% | -551 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |