Waterloo, IA · Charter 64945
Q4 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.22% | 0.37% | 0.11% | -1.11% | -150 bps | |
| Return on Equity | 3.47% | 1.86% | 3.10% | 0.96% | -9.53% | -1,300 bps | |
| Net Interest Margin | 5.25% | 4.39% | 4.52% | 4.59% | 4.93% | -32 bps | |
| Efficiency Ratio | 90.33% | 96.36% | 95.45% | 98.19% | 116.51% | +2,618 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.70% | -8.19% | -9.61% | -7.79% | -9.44% | +25 bps | |
| Loan Growth (YoY) | -15.22% | -23.34% | -21.06% | -21.33% | -22.58% | -736 bps | |
| Share Growth (YoY) | -9.25% | -6.08% | -12.77% | -8.50% | -9.87% | -62 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.03% | 0.00% | 0.72% | 0.22% | 1.48% | -55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.45% | 0.39% | 0.42% | 0.47% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.38% | 11.58% | 11.91% | 12.01% | 11.63% | +24 bps | |
| Net Worth / Assets | 11.38% | 11.58% | 11.91% | 12.01% | 11.63% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.27% | 76.60% | 77.74% | 72.73% | 73.24% | -1,202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |