Bryn Mawr, PA · Charter 22291
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 | 0.45% | -0.02% | -0.28% | 0.65% | 0.11% | -34 bps | |
| Return on Equity | 6.20% | -0.28% | -4.74% | 10.57% | 1.82% | -438 bps | |
| Net Interest Margin | 3.77% | 3.53% | 3.32% | 3.11% | 3.32% | -45 bps | |
| Efficiency Ratio | 73.86% | 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 / Loans | 0.06% | 0.29% | 0.30% | 0.25% | 0.27% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.73% | 0.67% | 0.56% | 0.00% | -61 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.23% | 6.62% | 5.88% | 6.18% | 6.20% | -103 bps | |
| Net Worth / Assets | 7.23% | 6.62% | 5.88% | 6.18% | 6.20% | -103 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.89% | 80.94% | 74.90% | 70.12% | 74.00% | -1,089 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |