La Porte, IN · Charter 4662
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 | 0.86% | -1.49% | -2.00% | -2.82% | -3.26% | -412 bps | |
| Return on Equity | 12.19% | -23.34% | -35.27% | -61.44% | -102.37% | -11,456 bps | |
| Net Interest Margin | 4.90% | 5.28% | 5.46% | 4.90% | 4.70% | -21 bps | |
| Efficiency Ratio | 77.59% | 86.21% | 90.89% | 87.72% | 106.80% | +2,921 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.94% | -14.19% | -13.61% | -7.61% | -13.41% | -347 bps | |
| Loan Growth (YoY) | -14.66% | -15.36% | -13.41% | -14.74% | -21.59% | -693 bps | |
| Share Growth (YoY) | -9.01% | -11.77% | -10.87% | -5.76% | -7.35% | +166 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.71% | 9.48% | 6.53% | 5.78% | 2.76% | -394 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.92% | 2.50% | 2.82% | 3.18% | 3.29% | +136 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.02% | 6.40% | 5.68% | 4.60% | 3.19% | -384 bps | |
| Net Worth / Assets | 7.02% | 6.40% | 5.68% | 4.60% | 3.19% | -384 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.89% | 75.20% | 75.93% | 65.97% | 61.69% | -1,120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |