Columbus, OH · Charter 61550
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Columbus, OH · Charter 61550
Q2 2011
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.46% | -1.23% | -0.96% | -1.77% | -1.98% | -152 bps | |
| Return on Equity | -4.60% | -12.37% | -10.44% | -20.24% | -23.32% | -1,872 bps | |
| Net Interest Margin | 3.89% | 3.30% | 3.07% | 2.77% | 2.81% | -108 bps | |
| Efficiency Ratio | 86.13% | 130.28% | 120.16% | 151.20% | 156.96% | +7,083 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.44% | -7.29% | -3.71% | -4.20% | -5.79% | -624 bps | |
| Loan Growth (YoY) | 1.13% | -6.61% | -17.72% | -24.92% | -17.92% | -1,904 bps | |
| Share Growth (YoY) | 1.08% | -7.94% | -5.67% | -5.31% | -4.48% | -555 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.61% | 0.71% | 0.82% | 2.45% | 2.52% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.86% | 0.93% | 1.03% | 0.99% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.08% | 9.95% | 9.19% | 8.73% | 8.50% | -159 bps | |
| Net Worth / Assets | 10.08% | 9.95% | 9.19% | 8.73% | 8.50% | -159 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.78% | 37.22% | 34.02% | 31.90% | 33.32% | -546 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |