Roanoke, VA · Charter 5900
Q3 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.68% | 1.07% | 1.12% | 1.02% | +64 bps | |
| Return on Equity | 3.06% | 5.24% | 8.41% | 8.70% | 7.80% | +474 bps | |
| Net Interest Margin | 3.43% | 3.52% | 3.46% | 3.50% | 3.53% | +10 bps | |
| Efficiency Ratio | 84.26% | 81.47% | 73.45% | 76.09% | 77.81% | -645 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.33% | -2.07% | 0.90% | 2.94% | 3.27% | +194 bps | |
| Loan Growth (YoY) | -12.29% | -8.71% | -2.28% | 0.15% | 1.04% | +1,333 bps | |
| Share Growth (YoY) | 0.69% | -2.58% | 0.64% | 2.80% | 2.67% | +198 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.33% | 0.30% | 0.28% | 0.38% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.35% | 1.21% | 1.16% | 0.98% | 0.98% | -37 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.32% | 12.90% | 12.69% | 12.93% | 13.07% | +74 bps | |
| Net Worth / Assets | 12.32% | 12.90% | 12.69% | 12.93% | 13.07% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.06% | 68.48% | 65.92% | 66.66% | 66.98% | -108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |