Victoria, KS · Charter 67817
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | -1.07% | -0.97% | -1.48% | -1.40% | -107 bps | |
| Return on Equity | -2.57% | -8.27% | -7.68% | -11.86% | -10.55% | -798 bps | |
| Net Interest Margin | 3.71% | 3.47% | 3.45% | 3.60% | 3.78% | +6 bps | |
| Efficiency Ratio | 108.30% | 128.89% | 125.51% | 138.15% | 133.93% | +2,562 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.30% | -4.02% | -2.22% | -4.86% | -12.22% | -892 bps | |
| Loan Growth (YoY) | -18.80% | -10.83% | -10.80% | -8.83% | -8.13% | +1,068 bps | |
| Share Growth (YoY) | -0.86% | -4.07% | -1.75% | -4.28% | -14.55% | -1,369 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.40% | 0.00% | 0.00% | 0.92% | +92 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 1.62% | 1.64% | 1.75% | 1.84% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.84% | 12.96% | 12.58% | 12.52% | 13.23% | +39 bps | |
| Net Worth / Assets | 12.84% | 12.96% | 12.58% | 12.52% | 13.23% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.11% | 62.40% | 60.47% | 59.23% | 62.47% | +437 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |