Marion, IN · Charter 23051
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 | -0.06% | -0.49% | -0.86% | 0.32% | 0.08% | +14 bps | |
| Return on Equity | -0.59% | -5.00% | -8.90% | 3.24% | 0.79% | +138 bps | |
| Net Interest Margin | 3.67% | 3.97% | 4.24% | 4.73% | 4.77% | +110 bps | |
| Efficiency Ratio | 76.16% | 84.96% | 94.93% | 94.90% | 87.02% | +1,086 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.89% | 7.63% | 0.65% | -4.41% | -5.25% | -1,614 bps | |
| Loan Growth (YoY) | 30.20% | 40.42% | 29.28% | 21.89% | 4.44% | -2,576 bps | |
| Share Growth (YoY) | 13.16% | 9.68% | 1.77% | -4.49% | -4.62% | -1,778 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 1.40% | 1.59% | 1.70% | 1.31% | +74 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.77% | 0.85% | 0.83% | 1.13% | +63 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.95% | 9.77% | 9.65% | 9.77% | 9.73% | -22 bps | |
| Net Worth / Assets | 9.95% | 9.77% | 9.65% | 9.77% | 9.73% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.29% | 76.08% | 77.22% | 80.18% | 78.06% | +677 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |