East St. Louis, IL · Charter 81559
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 | -0.82% | -0.66% | -1.06% | -0.77% | -1.20% | -39 bps | |
| Return on Equity | -5.06% | -4.19% | -5.44% | -4.19% | -6.42% | -136 bps | |
| Net Interest Margin | 2.61% | 2.62% | 3.20% | 2.87% | 2.55% | -7 bps | |
| Efficiency Ratio | 129.46% | 123.92% | 131.11% | 116.55% | 139.62% | +1,016 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.68% | 2.18% | -16.77% | -13.55% | -18.97% | -2,365 bps | |
| Loan Growth (YoY) | -32.01% | -29.57% | -28.54% | -31.12% | -29.26% | +275 bps | |
| Share Growth (YoY) | 8.00% | 4.48% | -18.93% | -15.30% | -21.54% | -2,954 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.12% | 2.28% | 11.82% | 9.45% | 9.79% | +766 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.74% | 1.86% | 2.01% | 0.32% | 0.61% | -212 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.12% | 15.87% | 19.48% | 18.40% | 18.75% | +262 bps | |
| Net Worth / Assets | 16.12% | 15.87% | 19.48% | 18.40% | 18.75% | +262 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.53% | 29.80% | 37.85% | 29.09% | 27.53% | -300 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |