Newport, VT · Charter 64364
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 | 0.69% | 1.14% | 0.69% | 1.47% | 2.65% | +196 bps | |
| Return on Equity | 7.29% | 10.79% | 7.20% | 14.97% | 23.40% | +1,611 bps | |
| Net Interest Margin | 6.41% | 6.78% | 5.96% | 6.45% | 6.31% | -9 bps | |
| Efficiency Ratio | 71.11% | 66.29% | 74.69% | 69.20% | 52.71% | -1,840 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.87% | -18.90% | -10.52% | 2.72% | -0.74% | +1,013 bps | |
| Loan Growth (YoY) | 10.88% | -3.31% | -3.30% | -3.27% | -0.27% | -1,115 bps | |
| Share Growth (YoY) | -12.77% | -20.89% | -11.78% | 2.49% | -2.69% | +1,009 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.60% | 1.78% | 1.61% | 2.44% | 2.69% | +110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.91% | 1.20% | 1.15% | 1.20% | 0.87% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.52% | 10.53% | 9.53% | 9.84% | 11.34% | +182 bps | |
| Net Worth / Assets | 9.52% | 10.53% | 9.53% | 9.84% | 11.34% | +182 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.12% | 104.72% | 96.19% | 96.42% | 103.62% | +251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |