Dover, DE · Charter 20900
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Dover, DE · Charter 20900
Q1 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.26% | 0.05% | 0.18% | -0.39% | 0.11% | +338 bps | |
| Return on Equity | -61.27% | 0.80% | 2.71% | -6.60% | 1.95% | +6,322 bps | |
| Net Interest Margin | 5.10% | 5.01% | 5.11% | 5.05% | 4.46% | -65 bps | |
| Efficiency Ratio | 87.78% | 71.41% | 75.88% | 78.09% | 79.30% | -848 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.90% | -7.78% | -6.15% | 1.09% | -1.36% | +954 bps | |
| Loan Growth (YoY) | -5.11% | -12.38% | -10.41% | -11.27% | -8.00% | -289 bps | |
| Share Growth (YoY) | -9.09% | -6.62% | -4.85% | 0.35% | -0.41% | +868 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.05% | 1.50% | 2.92% | 2.69% | 1.66% | +61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 1.12% | 1.00% | 1.94% | 1.34% | +36 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.32% | 6.17% | 6.64% | 5.94% | 5.87% | +54 bps | |
| Net Worth / Assets | 5.32% | 6.17% | 6.64% | 5.94% | 5.87% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.51% | 78.15% | 80.55% | 78.90% | 76.22% | -629 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |