Newark, DE · Charter 20432
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.
Newark, DE · Charter 20432
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 | 0.04% | -3.01% | -3.29% | -1.00% | -0.96% | -100 bps | |
| Return on Equity | 0.18% | -16.60% | -19.63% | -5.97% | -6.56% | -674 bps | |
| Net Interest Margin | 3.35% | 3.48% | 3.02% | 2.32% | 1.13% | -222 bps | |
| Efficiency Ratio | 90.99% | 97.71% | 119.96% | 140.11% | 241% | +14,966 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.07% | 5.88% | 3.07% | 1.28% | 6.57% | +964 bps | |
| Loan Growth (YoY) | 11.67% | 12.77% | 19.14% | 10.05% | 7.63% | -405 bps | |
| Share Growth (YoY) | -3.78% | 12.03% | 8.46% | 5.18% | 13.67% | +1,745 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.25% | 5.66% | 0.00% | 0.00% | 0.00% | -525 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.32% | 8.20% | 4.15% | 2.81% | 2.66% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.02% | 18.14% | 16.76% | 16.72% | 14.67% | -535 bps | |
| Net Worth / Assets | 20.02% | 18.14% | 16.76% | 16.72% | 14.67% | -535 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.77% | 62.08% | 62.81% | 64.03% | 61.32% | -345 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |