New Albany, IN · Charter 62398
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 | 0.64% | -0.28% | 0.23% | -0.18% | -0.17% | -81 bps | |
| Return on Equity | 7.39% | -3.33% | 2.81% | -2.09% | -1.87% | -926 bps | |
| Net Interest Margin | 3.53% | 3.54% | 3.03% | 2.87% | 2.92% | -61 bps | |
| Efficiency Ratio | 84.17% | 88.81% | 72.37% | 88.49% | 93.30% | +913 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.04% | -7.76% | -4.43% | -7.52% | -11.19% | -15 bps | |
| Loan Growth (YoY) | -11.31% | -16.19% | -29.30% | -34.02% | -35.93% | -2,462 bps | |
| Share Growth (YoY) | -11.75% | -7.05% | -3.62% | -7.86% | -11.36% | +39 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.80% | 7.82% | 10.18% | 7.70% | 12.64% | +583 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.76% | 3.19% | 4.47% | 2.88% | 3.11% | +36 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.67% | 8.34% | 8.33% | 8.46% | 8.87% | +21 bps | |
| Net Worth / Assets | 8.67% | 8.34% | 8.33% | 8.46% | 8.87% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.41% | 49.76% | 42.44% | 40.26% | 39.33% | -1,508 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |