Miami, FL · Charter 67756
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.
Miami, FL · Charter 67756
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 | 0.33% | 0.35% | 0.29% | 0.37% | -4.79% | -512 bps | |
| Return on Equity | 2.61% | 2.86% | 2.21% | 2.77% | -50.06% | -5,267 bps | |
| Net Interest Margin | 3.82% | 3.17% | 3.22% | 3.18% | 3.45% | -37 bps | |
| Efficiency Ratio | 89.07% | 91.27% | 93.04% | 88.48% | 201% | +11,175 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.77% | 7.32% | -2.95% | -4.55% | -11.19% | -2,096 bps | |
| Loan Growth (YoY) | -19.77% | -9.61% | -14.93% | -17.57% | -20.92% | -115 bps | |
| Share Growth (YoY) | 9.95% | 6.85% | -4.44% | -3.87% | -6.19% | -1,613 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.74% | 4.95% | 5.52% | 10.41% | 7.49% | +475 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.94% | 2.58% | 2.67% | 2.89% | 8.93% | +600 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.76% | 12.32% | 12.90% | 13.25% | 9.57% | -319 bps | |
| Net Worth / Assets | 12.76% | 12.32% | 12.90% | 13.25% | 9.57% | -319 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.80% | 29.42% | 29.33% | 27.55% | 26.80% | -499 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |