Martinsburg, WV · Charter 20118
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.
Martinsburg, WV · Charter 20118
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 | -0.77% | -1.05% | -2.17% | -2.22% | -0.75% | +2 bps | |
| Return on Equity | -6.62% | -8.68% | -19.35% | -19.69% | -6.79% | -17 bps | |
| Net Interest Margin | 4.36% | 4.31% | 4.43% | 3.78% | 4.11% | -25 bps | |
| Efficiency Ratio | 88.03% | 100.16% | 112.14% | 132.96% | 106.65% | +1,863 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.26% | -12.39% | -9.15% | -16.85% | -13.69% | -43 bps | |
| Loan Growth (YoY) | -16.09% | -6.31% | -1.69% | -8.85% | -5.66% | +1,043 bps | |
| Share Growth (YoY) | -7.68% | -10.16% | -8.15% | -17.13% | -13.17% | -549 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.75% | 6.34% | 6.60% | 7.23% | 8.95% | +220 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.35% | 5.97% | 7.45% | 8.61% | 8.33% | +198 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.60% | 12.14% | 11.22% | 11.29% | 11.07% | -53 bps | |
| Net Worth / Assets | 11.60% | 12.14% | 11.22% | 11.29% | 11.07% | -53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.14% | 69.83% | 69.39% | 66.34% | 67.52% | +538 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |