PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Medical Care Employees

Youngstown, OH · Charter 14470

Q3 2012

$3.4MAssets
$374KLoans
$3.3MShares
$154KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.63%, down 72 bps year over year; NIM at 0.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 4.47%, down 292 bps from a year ago.
  • Funding: loans stand at 11.43% of shares as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-3.63%-72 bps YoY

Net Interest Margin (YTD, annualized)

0.92%-41 bps YoY

Efficiency Ratio (YTD, annualized)

340%+9,131 bps YoY

Net Worth / Assets

4.47%-292 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-2.90%-3.22%-3.14%-3.03%-3.63%-72 bps
Return on Equity-39.27%-41.98%-48.30%-53.93%-81.07%-4,180 bps
Net Interest Margin1.33%1.49%1.09%0.97%0.92%-41 bps
Efficiency Ratio249%247%286%293%340%+9,131 bps
Growth
Asset Growth (YoY)1.37%-11.39%-5.64%-5.23%-6.30%-767 bps
Loan Growth (YoY)-20.20%-4.84%-9.84%-14.62%-24.19%-398 bps
Share Growth (YoY)6.18%-8.88%-2.93%-2.43%-3.59%-978 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.51%0.47%0.60%1.39%1.63%+113 bps
Capital
Risk-Based Capital7.39%7.67%6.50%5.61%4.47%-292 bps
Net Worth / Assets7.39%7.67%6.50%5.61%4.47%-292 bps
Liquidity & Funding
Loans / Shares14.54%18.89%14.69%13.05%11.43%-311 bps
Liquid Assets / Assets0.00%0.00%97.66%0.00%0.00%0 bps