Elkhart, IN · Charter 13014
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.15% | -3.33% | -3.27% | -10.33% | -5.48% | -233 bps | |
| Return on Equity | -36.88% | -41.36% | -44.81% | -213% | -124.86% | -8,798 bps | |
| Net Interest Margin | 3.71% | 4.00% | 4.01% | 3.86% | 4.22% | +51 bps | |
| Efficiency Ratio | 90.13% | 102.60% | 103.45% | 94.29% | 113.34% | +2,321 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.72% | -4.27% | -4.61% | -0.28% | -17.91% | -1,619 bps | |
| Loan Growth (YoY) | -20.96% | -20.73% | -21.35% | -19.61% | -21.30% | -34 bps | |
| Share Growth (YoY) | -3.11% | 3.13% | 4.62% | 4.15% | -13.61% | -1,050 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.91% | 9.55% | 9.44% | 7.89% | 5.42% | -249 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.71% | 1.91% | 1.98% | 8.38% | 4.86% | +315 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.53% | 8.06% | 7.30% | 4.86% | 4.39% | -414 bps | |
| Net Worth / Assets | 8.53% | 8.06% | 7.30% | 4.86% | 4.39% | -414 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.36% | 53.38% | 48.16% | 46.71% | 49.53% | -484 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |