Wilmington, NC · Charter 66590
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Wilmington, NC · Charter 66590
Q3 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.05% | -1.90% | -1.77% | -2.67% | -271 bps | |
| Return on Equity | 0.56% | 0.62% | -24.59% | -24.05% | -40.57% | -4,113 bps | |
| Net Interest Margin | 4.65% | 4.84% | 4.66% | 4.61% | 4.71% | +6 bps | |
| Efficiency Ratio | 110.51% | 107.64% | 109.67% | 109.84% | 110.55% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.05% | -2.58% | -9.77% | -11.26% | -12.74% | -1,579 bps | |
| Loan Growth (YoY) | -7.73% | 0.70% | 3.79% | -4.62% | -9.88% | -215 bps | |
| Share Growth (YoY) | 5.32% | -5.75% | -10.67% | -11.80% | -12.18% | -1,751 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 3.37% | 4.31% | 5.63% | 4.80% | +400 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.77% | 1.04% | 1.27% | 2.84% | +187 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.57% | 7.95% | 7.75% | 7.36% | 6.58% | -99 bps | |
| Net Worth / Assets | 7.57% | 7.95% | 7.75% | 7.36% | 6.58% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.86% | 55.15% | 54.68% | 52.20% | 52.20% | +134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |