Fort Wayne, IN · Charter 157
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 | -1.46% | -2.90% | -1.97% | -0.33% | -2.33% | -87 bps | |
| Return on Equity | -16.03% | -37.22% | -24.82% | -4.51% | -37.62% | -2,160 bps | |
| Net Interest Margin | 3.84% | 4.11% | 4.43% | 4.15% | 4.25% | +41 bps | |
| Efficiency Ratio | 129.74% | 136.80% | 118.54% | 106.25% | 136.45% | +671 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.78% | 4.34% | 0.39% | 4.23% | -6.52% | -474 bps | |
| Loan Growth (YoY) | 16.93% | 31.25% | 29.58% | 16.09% | -14.42% | -3,135 bps | |
| Share Growth (YoY) | 1.23% | 9.51% | 3.35% | 6.90% | -3.27% | -450 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.82% | 0.73% | 1.94% | 3.73% | 0.70% | -111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 1.26% | 1.40% | 1.51% | 1.39% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.11% | 7.78% | 7.94% | 7.34% | 6.19% | -292 bps | |
| Net Worth / Assets | 9.11% | 7.78% | 7.94% | 7.34% | 6.19% | -292 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.44% | 73.99% | 75.04% | 66.20% | 60.56% | -789 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |