Big Spring, TX · Charter 5493
Q3 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.44% | -0.07% | -0.14% | -0.02% | -47 bps | |
| Return on Equity | 4.86% | 4.31% | -0.71% | -1.43% | -0.18% | -504 bps | |
| Net Interest Margin | 4.94% | 5.14% | 4.26% | 4.20% | 4.24% | -69 bps | |
| Efficiency Ratio | 89.37% | 90.38% | 101.08% | 102.33% | 100.26% | +1,089 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.70% | -11.95% | -8.00% | -7.20% | -8.04% | +1,067 bps | |
| Loan Growth (YoY) | -27.57% | -24.14% | -21.14% | -22.99% | -14.56% | +1,301 bps | |
| Share Growth (YoY) | -20.18% | -13.14% | -9.01% | -8.44% | -8.56% | +1,163 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.29% | 0.30% | 0.29% | 0.29% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.30% | 2.33% | 2.44% | 2.13% | 2.11% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.37% | 10.19% | 9.87% | 10.00% | 10.24% | +88 bps | |
| Net Worth / Assets | 9.37% | 10.19% | 9.87% | 10.00% | 10.24% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.31% | 56.42% | 51.24% | 50.31% | 50.74% | -357 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |