Escanaba, MI · Charter 62267
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.
Escanaba, MI · Charter 62267
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 | 0.07% | -0.38% | -3.70% | -5.98% | -8.94% | -901 bps | |
| Return on Equity | 0.35% | -1.93% | -19.70% | -33.12% | -60.11% | -6,046 bps | |
| Net Interest Margin | 1.56% | 1.57% | -2.11% | -4.48% | -6.76% | -833 bps | |
| Efficiency Ratio | 95.64% | 115.83% | n/a | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 6.24% | -4.20% | -3.51% | -5.84% | -9.20% | -1,544 bps | |
| Loan Growth (YoY) | -23.46% | -38.00% | -40.92% | -37.25% | -30.95% | -749 bps | |
| Share Growth (YoY) | 7.15% | -5.36% | -1.89% | -4.00% | -4.08% | -1,123 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.74% | 8.70% | 6.75% | 6.00% | 8.27% | +652 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 13.33% | 17.32% | 19.08% | 5.32% | 5.51% | -782 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.41% | 19.86% | 18.77% | 18.05% | 14.88% | -453 bps | |
| Net Worth / Assets | 19.41% | 19.86% | 18.77% | 18.05% | 14.88% | -453 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.38% | 11.55% | 10.61% | 10.85% | 10.35% | -403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |