Auburn, IN · Charter 60368
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.
Auburn, IN · Charter 60368
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 | -1.79% | -0.18% | -1.53% | -1.83% | 0.52% | +231 bps | |
| Return on Equity | -20.06% | -1.98% | -18.88% | -24.79% | 6.90% | +2,696 bps | |
| Net Interest Margin | 3.29% | 3.32% | 3.39% | 3.41% | 3.61% | +32 bps | |
| Efficiency Ratio | 89.62% | 69.85% | 102.40% | 97.72% | 79.82% | -980 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.33% | 7.96% | 2.12% | 2.31% | 0.78% | -455 bps | |
| Loan Growth (YoY) | 13.39% | 8.04% | 0.27% | -4.18% | -8.47% | -2,186 bps | |
| Share Growth (YoY) | 2.12% | 2.16% | 2.78% | 9.87% | 4.37% | +225 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.92% | 2.34% | 2.78% | 2.68% | 1.93% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.33% | 0.71% | 1.61% | 1.67% | +134 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.92% | 8.94% | 8.13% | 7.39% | 7.58% | -134 bps | |
| Net Worth / Assets | 8.92% | 8.94% | 8.13% | 7.39% | 7.58% | -134 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 103.16% | 100.59% | 98.78% | 95.59% | 90.46% | -1,270 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |