Miami, FL · Charter 67941
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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 67941
Q3 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.55% | 0.42% | -21.32% | -14.67% | -1,514 bps | |
| Return on Equity | 1.87% | 1.86% | 1.48% | -120.83% | -80.72% | -8,259 bps | |
| Net Interest Margin | 3.72% | 4.24% | 3.92% | -11.92% | -6.71% | -1,043 bps | |
| Efficiency Ratio | 78.29% | 78.08% | 79.80% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -12.80% | -7.26% | -7.85% | -13.75% | -17.87% | -507 bps | |
| Loan Growth (YoY) | 11.82% | 25.20% | 11.84% | 2.08% | 4.70% | -712 bps | |
| Share Growth (YoY) | -16.79% | -10.67% | -11.41% | -4.29% | -9.67% | +712 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.31% | 1.48% | 1.51% | 1.76% | 1.84% | +53 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.40% | 29.36% | 28.25% | 17.65% | 18.17% | -723 bps | |
| Net Worth / Assets | 25.40% | 29.36% | 28.25% | 17.65% | 18.17% | -723 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.50% | 80.58% | 77.60% | 69.18% | 75.92% | +1,042 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |