Merrillville, IN · Charter 2060
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 | -4.08% | -3.26% | -2.20% | -0.56% | -2.20% | +188 bps | |
| Return on Equity | -48.70% | -41.28% | -29.47% | -7.80% | -38.64% | +1,006 bps | |
| Net Interest Margin | 3.95% | 3.59% | 3.56% | 3.20% | 3.12% | -83 bps | |
| Efficiency Ratio | 97.94% | 101.08% | 91.72% | 107.02% | 136.01% | +3,806 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.89% | 8.74% | 10.37% | 9.51% | 9.65% | +476 bps | |
| Loan Growth (YoY) | -4.07% | -7.76% | -3.51% | -1.19% | -13.71% | -964 bps | |
| Share Growth (YoY) | 7.61% | 12.00% | 14.32% | 11.61% | 13.11% | +550 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.31% | 1.00% | 2.11% | 0.61% | +23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 2.43% | 2.37% | 1.82% | 1.27% | -67 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.38% | 7.90% | 7.46% | 7.22% | 5.69% | -269 bps | |
| Net Worth / Assets | 8.38% | 7.90% | 7.46% | 7.22% | 5.69% | -269 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.81% | 53.74% | 53.47% | 52.67% | 46.38% | -1,442 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |