Decatur, IL · Charter 60244
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Decatur, IL · Charter 60244
Q1 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.62% | -0.13% | -0.47% | -0.36% | 0.11% | +273 bps | |
| Return on Equity | -12.67% | -0.58% | -2.20% | -1.75% | 0.53% | +1,320 bps | |
| Net Interest Margin | 3.57% | 4.30% | 4.04% | 3.97% | 3.28% | -28 bps | |
| Efficiency Ratio | 110.86% | 78.95% | 90.87% | 93.16% | 96.89% | -1,397 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.06% | 3.52% | 7.88% | 0.93% | 0.94% | +87 bps | |
| Loan Growth (YoY) | -9.34% | -19.63% | -18.92% | -20.40% | -24.54% | -1,520 bps | |
| Share Growth (YoY) | -0.05% | 4.31% | 10.97% | 3.56% | 2.68% | +273 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.57% | 0.56% | 1.14% | 2.38% | 2.17% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 1.04% | 0.54% | 0.61% | 0.70% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.67% | 21.90% | 21.26% | 20.56% | 20.79% | +12 bps | |
| Net Worth / Assets | 20.67% | 21.90% | 21.26% | 20.56% | 20.79% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.99% | 54.87% | 53.67% | 46.51% | 42.62% | -1,537 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |