Stevenson, AL · Charter 5445
Q1 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | -2.72% | -9.85% | -12.23% | -40.08% | -4,047 bps | |
| Return on Equity | 3.62% | -28.72% | -219% | -2373% | n/a | n/a | |
| Net Interest Margin | 4.18% | 4.23% | 4.49% | 4.81% | 5.83% | +165 bps | |
| Efficiency Ratio | 66.63% | 66.75% | 69.54% | 72.55% | 168.33% | +10,170 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.07% | 7.30% | -4.69% | -13.39% | -31.20% | -4,527 bps | |
| Loan Growth (YoY) | 5.75% | 0.62% | -5.28% | -19.34% | -28.04% | -3,379 bps | |
| Share Growth (YoY) | 15.70% | 9.81% | 2.65% | -3.22% | -15.20% | -3,090 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.50% | 11.33% | 13.40% | 6.58% | 17.42% | +1,092 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.04% | 3.07% | 10.20% | 10.83% | 16.58% | +1,454 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.76% | 9.49% | 4.49% | 0.52% | -9.39% | -2,015 bps | |
| Net Worth / Assets | 10.76% | 9.49% | 4.49% | 0.52% | -9.39% | -2,015 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.44% | 83.98% | 85.90% | 74.95% | 71.66% | -1,278 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |