Charleston, WV · Charter 3464
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 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.
Charleston, WV · Charter 3464
Q2 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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.93% | 0.24% | -0.66% | -0.15% | -48 bps | |
| Return on Equity | 1.52% | 4.34% | 1.20% | -3.71% | -0.85% | -237 bps | |
| Net Interest Margin | 3.67% | 2.90% | 2.85% | 2.24% | 1.79% | -188 bps | |
| Efficiency Ratio | 78.97% | 76.53% | 86.30% | 123.49% | 105.19% | +2,622 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.34% | 7.48% | 8.21% | 19.31% | 15.49% | +1,116 bps | |
| Loan Growth (YoY) | -22.16% | -31.03% | -25.60% | -35.74% | -31.48% | -932 bps | |
| Share Growth (YoY) | 5.64% | 9.35% | 13.06% | 26.79% | 22.12% | +1,648 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.35% | 1.70% | 2.02% | 2.48% | 2.53% | +118 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.56% | 21.35% | 19.64% | 17.68% | 18.12% | -344 bps | |
| Net Worth / Assets | 21.56% | 21.35% | 19.64% | 17.68% | 18.12% | -344 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.90% | 31.04% | 27.05% | 20.60% | 20.71% | -1,619 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |