Abilene, TX · Charter 8038
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 | -4.90% | -3.30% | -3.23% | 0.23% | 0.20% | +511 bps | |
| Return on Equity | -95.17% | -63.95% | -64.35% | 4.37% | 3.87% | +9,904 bps | |
| Net Interest Margin | 3.67% | 3.79% | 4.00% | 3.58% | 3.44% | -23 bps | |
| Efficiency Ratio | 122.55% | 112.63% | 109.22% | 94.74% | 92.99% | -2,955 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.79% | -6.33% | -18.86% | -15.03% | -11.95% | -517 bps | |
| Loan Growth (YoY) | -10.94% | -9.19% | -19.03% | -18.65% | -19.05% | -812 bps | |
| Share Growth (YoY) | -4.07% | -8.06% | -18.41% | -13.15% | -11.80% | -772 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 1.71% | 0.30% | 0.15% | 1.27% | +42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.00% | 1.99% | 2.88% | 3.14% | 3.54% | +154 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.15% | 5.15% | 5.02% | 5.20% | 5.28% | +12 bps | |
| Net Worth / Assets | 5.15% | 5.15% | 5.02% | 5.20% | 5.28% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.44% | 55.42% | 58.47% | 54.74% | 49.96% | -448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |