Erie, PA · Charter 10981
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Erie, PA · Charter 10981
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | -0.05% | -0.51% | -1.63% | -1.55% | -219 bps | |
| Return on Equity | 3.18% | -0.22% | -2.53% | -8.60% | -8.62% | -1,180 bps | |
| Net Interest Margin | 5.68% | 6.19% | 5.33% | 5.33% | 5.14% | -54 bps | |
| Efficiency Ratio | 89.11% | 98.37% | 109.24% | 122.96% | 124.88% | +3,577 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.09% | -2.61% | -2.16% | -0.45% | 1.19% | +10 bps | |
| Loan Growth (YoY) | -8.03% | 1.71% | -12.28% | -13.67% | -7.04% | +98 bps | |
| Share Growth (YoY) | 2.01% | -2.01% | -1.44% | 1.66% | 4.02% | +200 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.90% | 7.99% | 8.63% | 5.49% | 3.59% | -231 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.17% | 0.19% | 0.20% | 0.20% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.03% | 20.87% | 20.25% | 18.91% | 17.99% | -204 bps | |
| Net Worth / Assets | 20.03% | 20.87% | 20.25% | 18.91% | 17.99% | -204 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.05% | 96.56% | 85.15% | 78.59% | 76.90% | -915 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |