Perrysburg, OH · Charter 63384
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Perrysburg, OH · Charter 63384
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.37% | -0.11% | 0.32% | 0.10% | -57 bps | |
| Return on Equity | 3.42% | 1.91% | -0.58% | 1.61% | 0.52% | -291 bps | |
| Net Interest Margin | 2.68% | 2.41% | 2.10% | 2.32% | 2.01% | -67 bps | |
| Efficiency Ratio | 75.03% | 84.61% | 99.47% | 86.31% | 90.52% | +1,549 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.75% | -2.85% | -3.56% | -5.31% | -0.88% | -13 bps | |
| Loan Growth (YoY) | -26.08% | -22.45% | -3.30% | 11.17% | -16.82% | +926 bps | |
| Share Growth (YoY) | -1.09% | -3.72% | -4.41% | -6.43% | -0.71% | +39 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.95% | 0.00% | 0.00% | 0.00% | 0.00% | -295 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.98% | 1.11% | 0.99% | 0.94% | 1.24% | -274 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.66% | 19.51% | 19.60% | 20.04% | 19.46% | -20 bps | |
| Net Worth / Assets | 19.66% | 19.51% | 19.60% | 20.04% | 19.46% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.73% | 29.41% | 33.63% | 36.55% | 26.58% | -515 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |