Rumford, ME · Charter 16128
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Rumford, ME · Charter 16128
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.04% | -1.18% | -4.69% | -2.43% | -3.54% | -250 bps | |
| Return on Equity | -5.57% | -7.56% | -24.95% | -12.89% | -22.30% | -1,673 bps | |
| Net Interest Margin | 4.72% | 3.96% | 5.82% | 5.85% | 3.97% | -75 bps | |
| Efficiency Ratio | 122.05% | 126.67% | 102.34% | 102.42% | 153.58% | +3,153 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.18% | 9.12% | -18.97% | -3.44% | -4.03% | -722 bps | |
| Loan Growth (YoY) | -2.97% | 5.60% | -1.23% | -3.32% | 3.57% | +654 bps | |
| Share Growth (YoY) | 7.58% | 14.28% | -19.39% | -1.29% | -1.89% | -947 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.63% | 19.48% | 19.71% | 19.58% | 18.43% | +380 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.35% | 4.48% | 4.55% | 4.65% | 4.79% | +44 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.68% | 15.63% | 18.80% | 18.87% | 15.86% | -282 bps | |
| Net Worth / Assets | 18.68% | 15.63% | 18.80% | 18.87% | 15.86% | -282 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.01% | 37.71% | 51.42% | 50.89% | 44.35% | +234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |