Baltimore, MD · Charter 95740
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.
Baltimore, MD · Charter 95740
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 | -1.24% | -1.02% | -0.79% | -0.74% | -1.68% | -44 bps | |
| Return on Equity | -19.78% | -16.60% | -12.79% | -12.44% | -29.89% | -1,011 bps | |
| Net Interest Margin | 2.65% | 2.61% | 2.63% | 2.63% | 2.65% | 0 bps | |
| Efficiency Ratio | 109.06% | 112.15% | 109.01% | 110.27% | 137.01% | +2,795 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.10% | -2.83% | -3.96% | -0.90% | -3.03% | -293 bps | |
| Loan Growth (YoY) | -2.66% | -3.45% | -2.72% | 0.05% | 4.16% | +682 bps | |
| Share Growth (YoY) | 1.11% | -2.07% | -3.36% | -0.18% | -2.42% | -352 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.07% | 3.16% | 1.73% | 2.98% | 3.87% | +80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.11% | 2.15% | 2.05% | 2.02% | 2.20% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.26% | 6.14% | 6.17% | 5.99% | 5.61% | -65 bps | |
| Net Worth / Assets | 6.26% | 6.14% | 6.17% | 5.99% | 5.61% | -65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.19% | 50.10% | 51.64% | 51.91% | 52.50% | +331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |