El Paso, TX · Charter 7823
Q2 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | 0.32% | -0.44% | -2.98% | -2.52% | -174 bps | |
| Return on Equity | -6.27% | 2.63% | -3.85% | -30.04% | -22.12% | -1,585 bps | |
| Net Interest Margin | 1.95% | 1.56% | 1.39% | 0.61% | 1.22% | -73 bps | |
| Efficiency Ratio | 110.13% | 90.88% | 106.67% | 314% | 206% | +9,559 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 38.19% | 35.64% | 41.69% | 11.07% | -20.12% | -5,832 bps | |
| Loan Growth (YoY) | -23.90% | -28.87% | -17.80% | -1.19% | 4.81% | +2,871 bps | |
| Share Growth (YoY) | 47.84% | 44.17% | 52.30% | 17.99% | -19.29% | -6,713 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.49% | 1.18% | 2.57% | 5.91% | 4.70% | +322 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.51% | 1.80% | 1.38% | 1.03% | 0.96% | -55 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.35% | 12.20% | 11.35% | 9.92% | 11.38% | -97 bps | |
| Net Worth / Assets | 12.35% | 12.20% | 11.35% | 9.92% | 11.38% | -97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.52% | 21.49% | 21.69% | 24.30% | 31.85% | +732 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |