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Huron Valley Schools

Highland, MI · Charter 61043

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Huron Valley Schools

Highland, MI · Charter 61043

Q3 2010

$27.9MAssets
$15.7MLoans
$25.7MShares
$2.0MNet Worth

Executive Summary

  • Earnings: ROA of -0.27%, up 165 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.15% of loans (-7 bps YoY).
  • Capital: net worth / assets of 7.14%, down 43 bps from a year ago.
  • Funding: loans stand at 61.04% of shares as of Q3 2010.

Return on Assets (YTD, annualized)

-0.27%+165 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+51 bps YoY

Efficiency Ratio (YTD, annualized)

88.66%-906 bps YoY

Net Worth / Assets

7.14%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.44%0.38%-5.86%-1.92%-1.32%-1.13%-0.57%-0.27%+165 bps
Return on Equity4.29%4.01%-81.60%-25.42%-16.87%-14.93%-7.88%-3.79%+2,163 bps
Net Interest Margin3.56%3.28%2.41%2.50%2.74%2.78%2.97%3.01%+51 bps
Efficiency Ratio88.74%88.53%171.29%97.72%100.49%102.48%101.52%88.66%-906 bps
Growth
Asset Growth (YoY)-3.36%3.40%10.10%9.94%16.18%9.96%2.40%1.14%-880 bps
Loan Growth (YoY)-0.47%-2.52%-0.05%6.88%8.49%10.42%9.12%3.67%-321 bps
Share Growth (YoY)-3.30%4.23%12.83%12.28%18.14%11.14%1.80%1.33%-1,095 bps
Asset Quality
Delinquent Loans / Loans0.40%0.38%0.97%0.22%0.27%0.38%0.35%0.15%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.27%0.27%0.59%0.46%0.48%0.49%0.71%0.75%+28 bps
Capital
Risk-Based Capital10.19%9.53%7.18%7.57%7.85%7.54%7.21%7.14%-43 bps
Net Worth / Assets10.19%9.53%7.18%7.57%7.85%7.54%7.21%7.14%-43 bps
Liquidity & Funding
Loans / Shares69.65%63.71%56.67%59.66%63.96%63.30%60.75%61.04%+138 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps