Glenvil, NE · Charter 66275
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Glenvil, NE · Charter 66275
Q4 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.26% | 1.56% | 0.73% | -2.59% | -2.56% | -230 bps | |
| Return on Equity | -3.28% | 22.55% | 10.27% | -47.33% | -52.51% | -4,923 bps | |
| Net Interest Margin | 5.31% | 5.16% | 4.81% | 4.81% | 4.63% | -68 bps | |
| Efficiency Ratio | 82.39% | 63.61% | 67.66% | 75.97% | 89.36% | +697 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.40% | -8.26% | -6.73% | 1.33% | 5.57% | +2,297 bps | |
| Loan Growth (YoY) | -15.86% | -17.71% | -21.62% | -21.16% | -26.35% | -1,050 bps | |
| Share Growth (YoY) | -18.20% | -9.36% | -7.73% | 2.23% | -1.32% | +1,689 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.43% | 5.12% | 3.10% | 6.56% | 9.39% | -504 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.65% | 2.37% | 2.89% | 7.17% | 8.48% | +584 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.84% | 6.92% | 7.10% | 5.47% | 4.87% | -297 bps | |
| Net Worth / Assets | 7.84% | 6.92% | 7.10% | 5.47% | 4.87% | -297 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.00% | 59.29% | 57.47% | 60.69% | 58.96% | -2,004 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |