Marion, IL · Charter 15886
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.
Marion, IL · Charter 15886
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 | 0.67% | -0.01% | -0.12% | -2.25% | -1.05% | -172 bps | |
| Return on Equity | 3.22% | -0.04% | -0.51% | -10.60% | -5.75% | -897 bps | |
| Net Interest Margin | 5.46% | 5.39% | 6.06% | 4.94% | 4.57% | -90 bps | |
| Efficiency Ratio | 87.69% | 100.16% | 102.29% | 100.72% | 102.85% | +1,516 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.42% | 4.05% | -3.97% | -0.79% | 4.97% | -46 bps | |
| Loan Growth (YoY) | -1.35% | -3.17% | -5.65% | -11.20% | -10.77% | -942 bps | |
| Share Growth (YoY) | 6.47% | 5.21% | -4.83% | 0.17% | 8.23% | +176 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.81% | 7.22% | 6.56% | 4.45% | 8.18% | +137 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 1.20% | 1.20% | 1.81% | 1.80% | +60 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.91% | 21.25% | 23.78% | 21.23% | 18.18% | -272 bps | |
| Net Worth / Assets | 20.91% | 21.25% | 23.78% | 21.23% | 18.18% | -272 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.25% | 77.32% | 89.11% | 75.52% | 61.22% | -1,303 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |