Hemphill, TX · Charter 67580
Q2 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.01% | -0.88% | -0.74% | -0.31% | -0.17% | -16 bps | |
| Return on Equity | -0.06% | -4.66% | -3.79% | -1.60% | -0.86% | -80 bps | |
| Net Interest Margin | 2.06% | 2.14% | 2.18% | 2.03% | 2.04% | -1 bps | |
| Efficiency Ratio | 100.58% | 141.34% | 134.11% | 115.25% | 108.26% | +768 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.19% | -1.39% | -5.50% | -4.94% | -8.91% | -1,310 bps | |
| Loan Growth (YoY) | -4.13% | -8.44% | 2.58% | 6.44% | -2.00% | +214 bps | |
| Share Growth (YoY) | 5.20% | -1.12% | -6.02% | -7.13% | -10.03% | -1,522 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.12% | 0.10% | 0.08% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.56% | 0.53% | 0.53% | 0.54% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.80% | 18.95% | 19.64% | 19.47% | 19.81% | +101 bps | |
| Net Worth / Assets | 18.80% | 18.95% | 19.64% | 19.47% | 19.81% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.00% | 40.16% | 44.50% | 44.98% | 44.66% | +366 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |