Harvey, IL · Charter 17901
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Harvey, IL · Charter 17901
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.30% | -2.63% | -0.87% | -109.59% | -10,996 bps | |
| Return on Equity | 2.25% | 1.72% | -15.50% | -5.63% | n/a | n/a | |
| Net Interest Margin | 3.78% | 3.80% | 3.29% | 2.86% | 4.95% | +116 bps | |
| Efficiency Ratio | 91.40% | 93.17% | 108.65% | 88.09% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.09% | 0.03% | -5.70% | 3.40% | -44.41% | -4,550 bps | |
| Loan Growth (YoY) | -15.07% | -15.00% | -14.40% | -25.48% | -10.89% | +418 bps | |
| Share Growth (YoY) | 0.63% | -0.32% | -6.23% | 3.75% | 0.90% | +27 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.92% | 8.04% | 6.16% | 10.50% | 11.30% | +438 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.36% | 2.26% | 2.07% | 2.35% | 2.16% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.37% | 17.24% | 16.95% | 15.44% | -52.73% | -6,910 bps | |
| Net Worth / Assets | 16.37% | 17.24% | 16.95% | 15.44% | -52.73% | -6,910 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.32% | 38.16% | 33.79% | 26.71% | 30.31% | -401 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |