Rock Hill, SC · Charter 9859
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 | -0.13% | -0.26% | -0.28% | -0.33% | -45.58% | -4,545 bps | |
| Return on Equity | -0.59% | -1.17% | -1.26% | -1.46% | -434% | -43,348 bps | |
| Net Interest Margin | 2.97% | 2.93% | 2.99% | 2.97% | -38.50% | -4,146 bps | |
| Efficiency Ratio | 95.26% | 98.67% | 97.79% | 100.82% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.63% | 2.48% | -1.60% | -1.45% | 0.08% | -356 bps | |
| Loan Growth (YoY) | -8.43% | -10.52% | -10.27% | -7.86% | -7.37% | +106 bps | |
| Share Growth (YoY) | 4.79% | 3.45% | -2.23% | -1.13% | 14.35% | +956 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.73% | 0.66% | 2.82% | 2.80% | +204 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.69% | 0.79% | 0.75% | 0.75% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.20% | 22.02% | 22.59% | 22.61% | 10.50% | -1,170 bps | |
| Net Worth / Assets | 22.20% | 22.02% | 22.59% | 22.61% | 10.50% | -1,170 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.39% | 45.64% | 46.47% | 46.86% | 38.39% | -900 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |