Eldorado, IL · Charter 65332
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 | -1.24% | -2.42% | -0.46% | -1.55% | -1.57% | -33 bps | |
| Return on Equity | -16.85% | -31.76% | -6.57% | -24.12% | -25.04% | -820 bps | |
| Net Interest Margin | 3.70% | 3.21% | 3.08% | 3.27% | 3.38% | -31 bps | |
| Efficiency Ratio | 115.75% | 128.23% | 134.28% | 125.96% | 122.53% | +678 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.40% | -3.88% | 1.49% | -3.49% | -6.20% | -280 bps | |
| Loan Growth (YoY) | -15.54% | -13.00% | -13.89% | -5.61% | -2.93% | +1,261 bps | |
| Share Growth (YoY) | -1.75% | -2.57% | 2.26% | -2.34% | -5.03% | -329 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.63% | 1.38% | 1.33% | +133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.46% | 0.46% | 1.52% | 1.19% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.35% | 7.60% | 7.07% | 6.44% | 6.26% | -108 bps | |
| Net Worth / Assets | 7.35% | 7.60% | 7.07% | 6.44% | 6.26% | -108 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.97% | 75.97% | 75.87% | 81.31% | 80.72% | +175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |