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St. Rose Parish Perrysburg

Perrysburg, OH · Charter 63384

Q3 2010

$1.0MAssets
$214KLoans
$805KShares
$195KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.10%, down 57 bps year over year; NIM at 2.01%.
  • Asset quality: problem loans at 0.00% of loans (-295 bps YoY).
  • Capital: net worth / assets of 19.46%, down 20 bps from a year ago.
  • Funding: loans stand at 26.58% of shares as of Q3 2010.

Financial Results

Return on Assets (quarter, annualized)

0.10%-57 bps YoY

Net Interest Margin (quarter, annualized)

2.01%-67 bps YoY

Efficiency Ratio (quarter, annualized)

90.52%+1,549 bps YoY

Net Worth / Assets

19.46%-20 bps YoY

Discrete quarter, annualized.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.67%0.37%-0.11%0.32%0.10%-57 bps
Return on Equity3.42%1.91%-0.58%1.61%0.52%-291 bps
Net Interest Margin2.68%2.41%2.10%2.32%2.01%-67 bps
Efficiency Ratio75.03%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 / Loans2.95%0.00%0.00%0.00%0.00%-295 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.98%1.11%0.99%0.94%1.24%-274 bps
Capital
Risk-Based Capital19.66%19.51%19.60%20.04%19.46%-20 bps
Net Worth / Assets19.66%19.51%19.60%20.04%19.46%-20 bps
Liquidity & Funding
Loans / Shares31.73%29.41%33.63%36.55%26.58%-515 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps