Pensacola, FL · Charter 9833
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 | -0.50% | -0.67% | -0.47% | -0.07% | -11.22% | -1,071 bps | |
| Return on Equity | -4.29% | -5.66% | -3.77% | -0.56% | -169.67% | -16,539 bps | |
| Net Interest Margin | 2.94% | 2.99% | 3.03% | 2.62% | 2.48% | -47 bps | |
| Efficiency Ratio | 107.10% | 109.80% | 107.47% | 101.09% | 244% | +13,662 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.97% | 3.45% | -1.44% | -3.30% | -5.62% | -1,659 bps | |
| Loan Growth (YoY) | -11.70% | -11.74% | -22.25% | -19.14% | -28.92% | -1,722 bps | |
| Share Growth (YoY) | 14.09% | 4.88% | -0.37% | -3.22% | -1.42% | -1,550 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.82% | 0.81% | 1.17% | 0.57% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.60% | 0.37% | 0.41% | 5.23% | +466 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.71% | 11.80% | 12.37% | 11.97% | 6.61% | -510 bps | |
| Net Worth / Assets | 11.71% | 11.80% | 12.37% | 11.97% | 6.61% | -510 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.19% | 37.79% | 35.89% | 31.79% | 27.54% | -1,066 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |