Hubbard, OH · Charter 61292
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 | -1.14% | -1.33% | -1.19% | -1.18% | -0.86% | +27 bps | |
| Return on Equity | -3.87% | -4.86% | -4.20% | -4.48% | -3.44% | +43 bps | |
| Net Interest Margin | 3.73% | 3.40% | 3.72% | 3.57% | 3.36% | -36 bps | |
| Efficiency Ratio | 127.69% | 135.13% | 128.18% | 129.25% | 122.77% | -492 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.98% | 2.00% | 2.07% | 12.31% | 12.20% | +1,518 bps | |
| Loan Growth (YoY) | -11.15% | -0.84% | -8.33% | 0.09% | 5.19% | +1,634 bps | |
| Share Growth (YoY) | -2.52% | 4.62% | 4.54% | 19.97% | 18.98% | +2,150 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.24% | 9.14% | 1.75% | 7.47% | 6.78% | +354 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.67% | 0.66% | 0.71% | 0.76% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.35% | 27.28% | 28.26% | 26.38% | 25.06% | -429 bps | |
| Net Worth / Assets | 29.35% | 27.28% | 28.26% | 26.38% | 25.06% | -429 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.73% | 77.85% | 84.02% | 72.41% | 63.41% | -832 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |