Roodhouse, IL · Charter 60447
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.
Roodhouse, IL · Charter 60447
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 | 0.08% | 0.90% | 0.56% | -0.07% | 0.47% | +39 bps | |
| Return on Equity | 0.70% | 7.15% | 4.53% | -0.52% | 3.42% | +272 bps | |
| Net Interest Margin | 3.60% | 2.11% | 1.83% | 1.40% | 1.68% | -192 bps | |
| Efficiency Ratio | 40.20% | 29.56% | 42.99% | 64.32% | 72.16% | +3,196 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.10% | -6.88% | -4.71% | -20.63% | -20.02% | -1,392 bps | |
| Loan Growth (YoY) | -10.69% | -22.62% | -17.27% | -37.28% | -47.02% | -3,632 bps | |
| Share Growth (YoY) | -5.95% | -7.30% | -4.35% | -23.15% | -22.70% | -1,675 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.88% | 10.94% | 18.15% | 13.98% | 17.41% | +653 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.42% | 10.30% | 11.33% | 15.17% | 19.96% | +1,153 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.98% | 12.60% | 12.39% | 14.05% | 13.75% | +277 bps | |
| Net Worth / Assets | 10.98% | 12.60% | 12.39% | 14.05% | 13.75% | +277 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 9.52% | 9.97% | 9.29% | 8.25% | 6.52% | -299 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |