Eagan, MN · Charter 24361
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Eagan, MN · Charter 24361
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.26% | 0.05% | -1.08% | -0.64% | -82 bps | |
| Return on Equity | 2.16% | 2.86% | 0.58% | -13.70% | -8.13% | -1,029 bps | |
| Net Interest Margin | 3.76% | 4.23% | 3.62% | 3.68% | 3.67% | -9 bps | |
| Efficiency Ratio | 93.55% | 91.81% | 98.15% | 100.32% | 98.52% | +497 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.35% | -9.42% | 2.32% | 5.81% | -0.05% | +30 bps | |
| Loan Growth (YoY) | 12.20% | 0.31% | -5.91% | -3.44% | -1.14% | -1,333 bps | |
| Share Growth (YoY) | 0.67% | -9.56% | 5.88% | 6.98% | 0.51% | -16 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.28% | 0.18% | 0.25% | 0.03% | -59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.11% | 0.67% | 0.64% | 0.65% | -45 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.09% | 8.95% | 8.31% | 7.87% | 7.89% | -20 bps | |
| Net Worth / Assets | 8.09% | 8.95% | 8.31% | 7.87% | 7.89% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.03% | 91.35% | 79.49% | 80.28% | 80.69% | -134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |