Indianapolis, IN · Charter 61606
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 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.
Indianapolis, IN · Charter 61606
Q3 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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.25% | -1.57% | -0.50% | -0.49% | -0.51% | +74 bps | |
| Return on Equity | -11.39% | -15.41% | -5.50% | -5.30% | -5.83% | +556 bps | |
| Net Interest Margin | 3.44% | 3.43% | 2.87% | 2.96% | 2.79% | -64 bps | |
| Efficiency Ratio | 103.55% | 116.03% | 104.73% | 102.43% | 103.92% | +37 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.73% | -4.24% | 4.57% | 1.16% | 5.11% | +784 bps | |
| Loan Growth (YoY) | 4.54% | 6.92% | 3.38% | 6.47% | 7.06% | +253 bps | |
| Share Growth (YoY) | -0.35% | -0.65% | 9.30% | 3.73% | 8.05% | +840 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.69% | 2.94% | 2.90% | 1.11% | +42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.47% | 1.59% | 1.76% | 1.64% | 1.40% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.94% | 10.19% | 9.03% | 9.17% | 8.75% | -219 bps | |
| Net Worth / Assets | 10.94% | 10.19% | 9.03% | 9.17% | 8.75% | -219 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.88% | 84.80% | 78.74% | 82.64% | 80.14% | -74 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |