Akron, OH · Charter 2494
Q3 2010
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Akron, OH · Charter 2494
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 | 2.49% | 2.13% | 1.89% | 0.92% | 1.02% | -146 bps | |
| Return on Equity | 17.29% | 14.17% | 12.56% | 6.10% | 6.46% | -1,083 bps | |
| Net Interest Margin | 3.30% | 3.43% | 3.37% | 3.21% | 3.26% | -4 bps | |
| Efficiency Ratio | 53.17% | 58.05% | 60.62% | 77.53% | 72.60% | +1,943 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.88% | -4.16% | -1.54% | 0.93% | 0.36% | +624 bps | |
| Loan Growth (YoY) | 5.25% | 3.77% | 0.88% | 0.09% | 3.03% | -222 bps | |
| Share Growth (YoY) | -7.81% | -5.99% | -2.81% | -0.87% | -1.02% | +679 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 0.63% | 0.71% | 0.58% | 0.67% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.42% | 0.43% | 0.38% | 0.41% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.38% | 15.03% | 15.07% | 15.09% | 15.86% | +149 bps | |
| Net Worth / Assets | 14.38% | 15.03% | 15.07% | 15.09% | 15.86% | +149 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.52% | 73.15% | 71.73% | 68.77% | 72.36% | +285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |