Ambridge, PA · Charter 3216
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 | -0.80% | -0.69% | -0.60% | 0.64% | -11.41% | -1,061 bps | |
| Return on Equity | -3.70% | -3.17% | -2.87% | 3.07% | -72.25% | -6,855 bps | |
| Net Interest Margin | 4.30% | 4.08% | 4.03% | 3.96% | 4.22% | -8 bps | |
| Efficiency Ratio | 90.01% | 95.59% | 98.82% | 83.91% | 114.99% | +2,498 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.53% | -3.30% | -0.91% | 4.38% | -12.27% | -874 bps | |
| Loan Growth (YoY) | -10.37% | -10.24% | 20.43% | 27.21% | 17.49% | +2,786 bps | |
| Share Growth (YoY) | -3.34% | -2.81% | 0.57% | 5.46% | -5.79% | -245 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 16.88% | 15.08% | 11.56% | 21.13% | 20.02% | +315 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.08% | 6.62% | 5.49% | 5.88% | 22.34% | +1,526 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.57% | 21.64% | 21.05% | 20.71% | 15.79% | -578 bps | |
| Net Worth / Assets | 21.57% | 21.64% | 21.05% | 20.71% | 15.79% | -578 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.52% | 50.25% | 58.65% | 53.24% | 58.02% | +1,150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |