Rochester, MN · Charter 63247
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 | -0.42% | -0.22% | -0.44% | -0.64% | -0.65% | -23 bps | |
| Return on Equity | -3.90% | -1.98% | -4.05% | -6.26% | -6.20% | -231 bps | |
| Net Interest Margin | 2.98% | 2.95% | 2.70% | 2.58% | 2.74% | -25 bps | |
| Efficiency Ratio | 113.84% | 110.39% | 115.89% | 124.57% | 123.39% | +955 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.81% | 3.91% | -0.51% | 1.03% | -0.98% | -479 bps | |
| Loan Growth (YoY) | -20.85% | -19.39% | -15.27% | -12.78% | 4.08% | +2,493 bps | |
| Share Growth (YoY) | 5.34% | 4.98% | -0.09% | 1.73% | -0.67% | -600 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.91% | 0.17% | 0.15% | 0.14% | 0.12% | -80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.11% | 1.17% | 1.54% | 1.39% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.74% | 10.92% | 10.78% | 10.25% | 10.46% | -28 bps | |
| Net Worth / Assets | 10.74% | 10.92% | 10.78% | 10.25% | 10.46% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.72% | 58.34% | 55.02% | 52.53% | 60.48% | +276 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |