Urbandale, IA · Charter 65131
Q4 2012
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.23% | 0.63% | 0.48% | 0.49% | -8 bps | |
| Return on Equity | 3.35% | 1.39% | 3.75% | 2.72% | 2.71% | -63 bps | |
| Net Interest Margin | 1.61% | 1.78% | 1.57% | 1.27% | 1.17% | -44 bps | |
| Efficiency Ratio | 64.30% | 87.07% | 59.46% | 62.58% | 57.83% | -647 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.07% | 2.41% | 5.22% | 2.02% | -3.17% | -210 bps | |
| Loan Growth (YoY) | -5.39% | -7.37% | -17.36% | -22.09% | -23.02% | -1,763 bps | |
| Share Growth (YoY) | -2.05% | 2.59% | 5.78% | 1.85% | -4.26% | -222 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.33% | 0.69% | 0.43% | 0.16% | 0.72% | -161 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.77% | 8.56% | 9.31% | 9.24% | 10.88% | +210 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.15% | 16.60% | 16.93% | 17.56% | 18.21% | +106 bps | |
| Net Worth / Assets | 17.15% | 16.60% | 16.93% | 17.56% | 18.21% | +106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.65% | 30.11% | 27.25% | 29.48% | 26.26% | -640 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |