Beaver Dam, WI · Charter 66672
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 | 0.09% | -0.03% | 0.14% | 0.25% | 0.29% | +21 bps | |
| Return on Equity | 0.77% | -0.29% | 1.35% | 2.34% | 2.77% | +200 bps | |
| Net Interest Margin | 3.78% | 3.86% | 3.41% | 3.52% | 3.53% | -26 bps | |
| Efficiency Ratio | 93.54% | 92.27% | 93.37% | 93.43% | 92.85% | -70 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.37% | 4.84% | 8.54% | 6.02% | 6.83% | -454 bps | |
| Loan Growth (YoY) | -1.81% | 0.15% | 8.17% | 7.13% | 8.14% | +996 bps | |
| Share Growth (YoY) | 12.61% | 6.01% | 9.58% | 7.03% | 7.02% | -559 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.73% | 1.77% | 1.55% | 1.48% | 1.48% | -25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 1.03% | 0.92% | 0.89% | 0.76% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.12% | 11.19% | 10.26% | 10.51% | 10.53% | -58 bps | |
| Net Worth / Assets | 11.12% | 11.19% | 10.26% | 10.51% | 10.53% | -58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.60% | 70.76% | 63.98% | 66.16% | 68.31% | +71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |