Trinidad, CO · Charter 65990
Q3 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.62% | -3.76% | -2.33% | -1.96% | -2.99% | -237 bps | |
| Return on Equity | -4.18% | -29.49% | -21.42% | -19.16% | -29.06% | -2,489 bps | |
| Net Interest Margin | 5.04% | 5.08% | 2.87% | 2.96% | 3.29% | -175 bps | |
| Efficiency Ratio | 111.27% | 117.37% | 168.16% | 155.30% | 176.68% | +6,541 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.93% | -1.33% | 4.47% | 8.98% | -4.32% | +162 bps | |
| Loan Growth (YoY) | -25.04% | -27.13% | -27.93% | -31.19% | -24.85% | +19 bps | |
| Share Growth (YoY) | -0.98% | 3.06% | 9.77% | 15.31% | -0.03% | +96 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.75% | 6.76% | 6.79% | 3.74% | 3.69% | -406 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.24% | 16.31% | 17.49% | 19.42% | 19.49% | +925 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.94% | 12.76% | 10.87% | 10.20% | 10.30% | -464 bps | |
| Net Worth / Assets | 14.94% | 12.76% | 10.87% | 10.20% | 10.30% | -464 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.36% | 55.33% | 45.72% | 38.62% | 43.87% | -1,449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |