Independence, IA · Charter 65264
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 | 0.07% | -0.48% | 0.27% | 0.24% | -9.76% | -984 bps | |
| Return on Equity | 0.39% | -2.56% | 1.42% | 1.32% | -89.64% | -9,003 bps | |
| Net Interest Margin | 2.94% | 3.94% | 3.95% | 3.51% | -5.99% | -893 bps | |
| Efficiency Ratio | 93.07% | 65.14% | 62.88% | 68.08% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.72% | -1.93% | 2.01% | 1.60% | -10.41% | -969 bps | |
| Loan Growth (YoY) | -18.68% | -7.83% | -7.58% | -8.18% | -9.12% | +957 bps | |
| Share Growth (YoY) | -0.88% | -1.87% | -0.88% | 1.88% | -0.93% | -5 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.31% | 5.47% | 3.75% | 1.16% | 2.17% | -414 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.93% | 3.31% | 0.77% | 0.65% | 0.88% | -205 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.57% | 18.83% | 18.76% | 18.51% | 10.89% | -768 bps | |
| Net Worth / Assets | 18.57% | 18.83% | 18.76% | 18.51% | 10.89% | -768 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.83% | 58.84% | 59.87% | 53.71% | 53.05% | -478 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |