West Burlington, IA · Charter 65480
Q3 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -0.43% | -0.37% | -0.15% | -0.26% | +6 bps | |
| Return on Equity | -2.92% | -3.91% | -3.58% | -1.46% | -2.60% | +32 bps | |
| Net Interest Margin | 2.22% | 2.24% | 1.85% | 1.96% | 1.85% | -38 bps | |
| Efficiency Ratio | 101.09% | 101.01% | 118.64% | 106.80% | 112.71% | +1,161 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.88% | 0.07% | 4.46% | 7.16% | 4.79% | +191 bps | |
| Loan Growth (YoY) | -12.15% | -7.28% | -7.12% | -6.54% | -15.20% | -305 bps | |
| Share Growth (YoY) | 3.52% | 0.63% | 5.85% | 8.87% | 6.05% | +253 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.35% | 6.05% | 5.63% | 1.34% | 1.42% | -393 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.51% | 1.59% | 1.65% | 0.88% | 0.45% | -106 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.82% | 11.02% | 10.45% | 9.95% | 9.96% | -86 bps | |
| Net Worth / Assets | 10.82% | 11.02% | 10.45% | 9.95% | 9.96% | -86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.87% | 35.02% | 32.09% | 29.12% | 27.08% | -679 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |