Gary, IN · Charter 4523
Q3 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | -0.76% | -1.10% | -0.80% | -1.43% | -130 bps | |
| Return on Equity | -0.66% | -3.86% | -5.44% | -4.22% | -7.05% | -639 bps | |
| Net Interest Margin | 3.90% | 3.75% | 3.81% | 3.00% | 3.16% | -74 bps | |
| Efficiency Ratio | 102.34% | 111.62% | 117.98% | 117.37% | 122.73% | +2,039 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.95% | 2.27% | -4.65% | -5.09% | -11.64% | -1,259 bps | |
| Loan Growth (YoY) | -17.09% | -28.51% | -29.58% | -25.56% | -29.54% | -1,245 bps | |
| Share Growth (YoY) | 1.25% | 3.49% | -4.50% | -4.71% | -12.36% | -1,362 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 7.01% | 1.57% | 1.69% | 3.46% | +248 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 1.17% | 0.76% | 0.80% | 0.91% | -63 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.85% | 19.73% | 20.15% | 19.01% | 20.31% | +45 bps | |
| Net Worth / Assets | 19.85% | 19.73% | 20.15% | 19.01% | 20.31% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.60% | 46.76% | 45.68% | 41.30% | 39.88% | -972 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |