Bath, PA · Charter 4304
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 | -3.00% | -2.08% | -2.29% | -3.15% | -2.31% | +68 bps | |
| Return on Equity | -11.12% | -7.78% | -9.16% | -11.43% | -9.00% | +212 bps | |
| Net Interest Margin | 4.23% | 4.13% | 3.63% | 4.15% | 3.96% | -28 bps | |
| Efficiency Ratio | 104.56% | 105.07% | 120.89% | 109.99% | 129.47% | +2,491 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.31% | -7.39% | 1.63% | -8.67% | -5.08% | +524 bps | |
| Loan Growth (YoY) | -23.74% | -12.90% | -6.18% | 1.09% | 0.30% | +2,405 bps | |
| Share Growth (YoY) | -10.57% | -6.81% | 5.48% | -8.50% | -3.34% | +723 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.33% | 7.40% | 15.81% | 16.75% | 14.72% | +639 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 0.99% | 0.29% | 1.08% | 1.13% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.94% | 26.78% | 25.05% | 27.59% | 25.71% | -123 bps | |
| Net Worth / Assets | 26.94% | 26.78% | 25.05% | 27.59% | 25.71% | -123 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.06% | 87.39% | 80.27% | 90.69% | 88.26% | +321 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |