Gaithersburg, MD · Charter 6808
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 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.
Gaithersburg, MD · Charter 6808
Q2 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | -0.05% | -0.19% | 0.07% | 0.23% | +28 bps | |
| Return on Equity | -1.25% | -1.13% | -4.44% | 1.63% | 5.41% | +666 bps | |
| Net Interest Margin | 2.98% | 3.18% | 3.08% | 2.87% | 3.00% | +2 bps | |
| Efficiency Ratio | 81.04% | 82.41% | 80.31% | 78.10% | 75.32% | -572 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.91% | -7.58% | 2.19% | -2.23% | -0.69% | -160 bps | |
| Loan Growth (YoY) | -20.46% | -17.84% | -13.44% | -8.28% | -6.06% | +1,441 bps | |
| Share Growth (YoY) | 2.39% | -6.66% | 1.73% | -2.81% | -1.39% | -378 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.07% | 2.15% | 2.15% | 1.69% | 1.52% | -54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 1.68% | 2.03% | 1.72% | 1.65% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.28% | 4.56% | 4.34% | 4.25% | 4.27% | -1 bps | |
| Net Worth / Assets | 4.28% | 4.56% | 4.34% | 4.25% | 4.27% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.72% | 52.30% | 51.67% | 48.90% | 47.37% | -235 bps | |
| Liquid Assets / Assets | 99.56% | 0.00% | 98.88% | 97.53% | 0.00% | -9,956 bps | |