Tuscola, IL · Charter 61594
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Tuscola, IL · Charter 61594
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.20% | 1.29% | 1.01% | 0.82% | -50 bps | |
| Return on Equity | 5.73% | 5.09% | 5.53% | 4.35% | 3.00% | -273 bps | |
| Net Interest Margin | 5.48% | 5.47% | 5.75% | 5.55% | 6.58% | +110 bps | |
| Efficiency Ratio | 78.01% | 79.65% | 77.91% | 82.04% | 82.41% | +440 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.65% | -4.81% | -2.42% | -1.17% | -13.20% | -455 bps | |
| Loan Growth (YoY) | -5.79% | -12.32% | -7.77% | -14.44% | -24.58% | -1,878 bps | |
| Share Growth (YoY) | 6.80% | 2.07% | -4.82% | -2.95% | -18.12% | -2,492 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.13% | 7.68% | 8.20% | 7.32% | 5.59% | -354 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.62% | 0.65% | 0.67% | 1.09% | +50 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.04% | 23.68% | 23.30% | 23.24% | 27.38% | +434 bps | |
| Net Worth / Assets | 23.04% | 23.68% | 23.30% | 23.24% | 27.38% | +434 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 120.68% | 113.47% | 104.87% | 101.13% | 111.17% | -952 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |