New Haven, IN · Charter 8575
Q3 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.23% | -0.42% | -0.45% | -0.93% | -151 bps | |
| Return on Equity | 7.04% | 2.67% | -5.34% | -5.62% | -11.78% | -1,882 bps | |
| Net Interest Margin | 2.62% | 2.77% | 2.41% | 2.46% | 2.19% | -43 bps | |
| Efficiency Ratio | 108.61% | 112.41% | 112.50% | 113.07% | 129.92% | +2,131 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.96% | -5.07% | -3.73% | -4.87% | -3.56% | -260 bps | |
| Loan Growth (YoY) | -3.60% | -1.94% | 6.67% | 10.46% | 18.49% | +2,208 bps | |
| Share Growth (YoY) | -0.62% | -5.98% | -4.39% | -3.38% | -3.25% | -263 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.57% | 5.08% | 2.45% | 6.36% | 3.06% | -651 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.12% | 1.11% | 0.93% | 0.52% | -59 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.24% | 8.46% | 7.88% | 7.96% | 7.90% | -34 bps | |
| Net Worth / Assets | 8.24% | 8.46% | 7.88% | 7.96% | 7.90% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.36% | 36.39% | 35.29% | 39.20% | 40.85% | +749 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |