PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Catholic

Temperance, MI · Charter 62193

Q2 2012

$303KAssets
$116KLoans
$255KShares
$47KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.15%, up 6 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.51%, up 554 bps from a year ago.
  • Funding: loans stand at 45.39% of shares as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.15%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.49%+103 bps YoY

Efficiency Ratio (YTD, annualized)

105.77%-861 bps YoY

Net Worth / Assets

15.51%+554 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.21%-0.56%-0.19%-0.12%-0.15%+6 bps
Return on Equity-2.13%-3.84%-1.22%-0.75%-0.95%+118 bps
Net Interest Margin1.46%2.30%2.40%2.55%2.49%+103 bps
Efficiency Ratio114.38%123.41%107.54%104.65%105.77%-861 bps
Growth
Asset Growth (YoY)58.03%4.06%-19.94%-45.06%-37.25%-9,528 bps
Loan Growth (YoY)-15.68%10.15%5.08%-1.88%14.08%+2,976 bps
Share Growth (YoY)70.48%5.76%-22.33%-49.34%-41.16%-11,164 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.60%0.62%0.68%0.61%-9 bps
Capital
Risk-Based Capital9.97%14.47%15.48%16.06%15.51%+554 bps
Net Worth / Assets9.97%14.47%15.48%16.06%15.51%+554 bps
Liquidity & Funding
Loans / Shares23.41%42.33%44.97%42.77%45.39%+2,198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps