Troy, MI · Charter 14121
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Troy, MI · Charter 14121
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 | 0.19% | 0.52% | 0.07% | -6.55% | -5.88% | -607 bps | |
| Return on Equity | 1.74% | 4.76% | 0.79% | -89.89% | -112.39% | -11,413 bps | |
| Net Interest Margin | 4.41% | 4.53% | 3.65% | 3.18% | 3.39% | -102 bps | |
| Efficiency Ratio | 72.53% | 73.49% | 78.00% | 143.31% | 134.12% | +6,159 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.43% | 2.23% | 30.13% | 22.64% | 10.82% | +1,039 bps | |
| Loan Growth (YoY) | 14.40% | 17.41% | 12.68% | 2.38% | -20.56% | -3,496 bps | |
| Share Growth (YoY) | 0.11% | 1.98% | 34.17% | 27.28% | 17.67% | +1,756 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 2.61% | 3.57% | 5.18% | 5.02% | +385 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.83% | 0.86% | 1.00% | 2.06% | +125 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.70% | 11.03% | 8.84% | 7.29% | 5.23% | -546 bps | |
| Net Worth / Assets | 10.70% | 11.03% | 8.84% | 7.29% | 5.23% | -546 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.56% | 84.87% | 68.34% | 62.34% | 54.39% | -2,617 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |