Baltimore, MD · Charter 12951
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.
Baltimore, MD · Charter 12951
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 | 1.02% | 3.45% | -9.31% | -4.48% | -8.34% | -936 bps | |
| Return on Equity | 15.84% | 56.20% | -241% | -109.07% | -569% | -58,508 bps | |
| Net Interest Margin | 6.30% | 9.36% | 6.78% | 6.52% | 7.67% | +137 bps | |
| Efficiency Ratio | 40.45% | 30.76% | 55.52% | 56.12% | 63.39% | +2,295 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.96% | 17.06% | -8.88% | -9.49% | -23.09% | -4,305 bps | |
| Loan Growth (YoY) | 22.04% | 14.30% | -7.79% | -15.30% | -19.56% | -4,160 bps | |
| Share Growth (YoY) | 22.18% | 22.57% | -4.43% | -5.65% | -16.90% | -3,909 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.27% | 11.95% | 8.02% | 7.85% | 10.69% | -158 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.94% | 2.97% | 3.13% | 3.40% | 4.37% | +243 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.46% | 6.13% | 3.86% | 4.11% | 1.46% | -499 bps | |
| Net Worth / Assets | 6.46% | 6.13% | 3.86% | 4.11% | 1.46% | -499 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.39% | 96.56% | 88.38% | 86.88% | 97.18% | -321 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |