PackageTrendsPeer
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Main Line Health Employees

Bryn Mawr, PA · Charter 22291

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Main Line Health Employees

Bryn Mawr, PA · Charter 22291

Q3 2010

$51.3MAssets
$35.5MLoans
$48.0MShares
$3.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.11%, down 34 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.27% of loans (+21 bps YoY).
  • Capital: net worth / assets of 6.20%, down 103 bps from a year ago.
  • Funding: loans stand at 74.00% of shares as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

0.11%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.32%-45 bps YoY

Efficiency Ratio (YTD, annualized)

90.14%+1,628 bps YoY

Net Worth / Assets

6.20%-103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.45%-0.02%-0.28%0.65%0.11%-34 bps
Return on Equity6.20%-0.28%-4.74%10.57%1.82%-438 bps
Net Interest Margin3.77%3.53%3.32%3.11%3.32%-45 bps
Efficiency Ratio73.86%75.77%79.02%74.45%90.14%+1,628 bps
Growth
Asset Growth (YoY)8.33%17.58%26.14%25.37%18.41%+1,008 bps
Loan Growth (YoY)8.40%10.80%9.51%4.08%4.38%-402 bps
Share Growth (YoY)8.98%19.75%29.30%27.35%19.74%+1,076 bps
Asset Quality
Delinquent Loans / Loans0.06%0.29%0.30%0.25%0.27%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.61%0.73%0.67%0.56%0.00%-61 bps
Capital
Risk-Based Capital7.23%6.62%5.88%6.18%6.20%-103 bps
Net Worth / Assets7.23%6.62%5.88%6.18%6.20%-103 bps
Liquidity & Funding
Loans / Shares84.89%80.94%74.90%70.12%74.00%-1,089 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps