Collegeville, PA · Charter 63730
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 | -0.63% | -0.59% | -1.11% | -1.82% | -2.67% | -204 bps | |
| Return on Equity | -1.66% | -1.50% | -2.84% | -4.38% | -6.29% | -462 bps | |
| Net Interest Margin | 3.30% | 3.34% | 2.95% | 2.95% | 2.98% | -33 bps | |
| Efficiency Ratio | 117.95% | 116.55% | 135.00% | 157.23% | 183.68% | +6,573 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.52% | -9.87% | -8.03% | -11.45% | -14.78% | -327 bps | |
| Loan Growth (YoY) | -5.45% | -4.39% | -15.04% | -16.74% | -10.64% | -519 bps | |
| Share Growth (YoY) | -16.66% | -14.30% | -11.56% | -16.79% | -20.84% | -418 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.78% | 0.86% | 0.88% | 1.03% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.00% | 39.19% | 39.21% | 41.58% | 42.48% | +448 bps | |
| Net Worth / Assets | 38.00% | 39.19% | 39.21% | 41.58% | 42.48% | +448 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.46% | 92.02% | 82.17% | 90.94% | 102.12% | +1,166 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |