Altoona, PA · Charter 7339
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 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.
Altoona, PA · Charter 7339
Q1 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | -2.00% | -2.81% | -2.95% | -4.11% | -397 bps | |
| Return on Equity | -1.13% | -21.88% | -27.75% | -41.99% | -61.13% | -6,000 bps | |
| Net Interest Margin | 2.47% | 2.42% | 2.27% | 2.33% | 1.95% | -52 bps | |
| Efficiency Ratio | 103.69% | 156.92% | 154.37% | 165.72% | 256% | +15,212 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.15% | -2.95% | 0.65% | 0.05% | 2.33% | +19 bps | |
| Loan Growth (YoY) | -11.56% | -9.45% | -6.82% | -8.19% | -6.97% | +459 bps | |
| Share Growth (YoY) | 4.65% | 2.00% | 2.00% | 4.09% | 8.64% | +399 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 3.16% | 2.84% | 2.83% | 0.00% | -58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.62% | 2.96% | 2.76% | 1.11% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.96% | 9.15% | 10.12% | 7.02% | 6.72% | -524 bps | |
| Net Worth / Assets | 11.96% | 9.15% | 10.12% | 7.02% | 6.72% | -524 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.91% | 36.32% | 35.84% | 34.26% | 30.75% | -516 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |