Granite City, IL · Charter 65366
Q1 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.14% | -1.01% | -0.83% | -0.79% | -1.65% | -51 bps | |
| Return on Equity | -6.95% | -6.08% | -5.19% | -5.40% | -11.08% | -413 bps | |
| Net Interest Margin | 2.72% | 2.95% | 2.87% | 2.68% | 2.14% | -58 bps | |
| Efficiency Ratio | 140.43% | 133.52% | 126.39% | 127.43% | 175.81% | +3,538 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.56% | -2.48% | -3.81% | 7.39% | 3.33% | +389 bps | |
| Loan Growth (YoY) | 8.81% | 0.82% | 2.38% | -3.59% | -1.25% | -1,006 bps | |
| Share Growth (YoY) | 0.53% | -1.77% | -3.48% | 9.83% | 5.37% | +485 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 2.86% | +286 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.27% | 0.26% | 0.27% | 0.27% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.35% | 16.62% | 15.97% | 14.68% | 14.86% | -149 bps | |
| Net Worth / Assets | 16.35% | 16.62% | 15.97% | 14.68% | 14.86% | -149 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.63% | 86.69% | 89.19% | 78.59% | 81.18% | -545 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |