Orlando, FL · Charter 17654
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.
Orlando, FL · Charter 17654
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 | -0.72% | -0.68% | -16.20% | -9.33% | -6.16% | -544 bps | |
| Return on Equity | -11.29% | -11.07% | -744% | -369% | -326% | -31,489 bps | |
| Net Interest Margin | 4.49% | 4.71% | 5.06% | 5.24% | 5.37% | +88 bps | |
| Efficiency Ratio | 113.94% | 109.36% | 149.48% | 149.50% | 131.06% | +1,712 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.39% | -21.67% | -15.14% | -7.44% | -10.30% | +909 bps | |
| Loan Growth (YoY) | -2.83% | 4.60% | 0.28% | -3.30% | -4.65% | -182 bps | |
| Share Growth (YoY) | -20.30% | -22.73% | -11.73% | -3.37% | -5.94% | +1,436 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 2.19% | 4.69% | 1.77% | 3.70% | +184 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.57% | 2.79% | 0.50% | 0.52% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.36% | 6.10% | 2.18% | 2.53% | 1.89% | -447 bps | |
| Net Worth / Assets | 6.36% | 6.10% | 2.18% | 2.53% | 1.89% | -447 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.65% | 96.39% | 94.10% | 91.29% | 90.88% | +123 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |