Ely, MN · Charter 63666
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Ely, MN · Charter 63666
Q1 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.05% | -25.82% | -23.31% | -18.16% | -7.44% | -639 bps | |
| Return on Equity | -5.65% | -291% | -455% | -380% | -251% | -24,501 bps | |
| Net Interest Margin | 7.91% | 8.87% | 9.07% | 8.73% | 5.55% | -236 bps | |
| Efficiency Ratio | 113.24% | 116.27% | 108.96% | 111.32% | 212% | +9,865 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.42% | -21.51% | -24.13% | -18.48% | -18.50% | -708 bps | |
| Loan Growth (YoY) | -16.10% | -21.79% | -31.69% | -33.10% | -28.08% | -1,198 bps | |
| Share Growth (YoY) | -11.90% | -13.04% | -12.13% | -4.06% | -2.75% | +915 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 29.52% | 30.41% | 29.44% | 30.82% | 29.26% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.82% | 16.89% | 19.07% | 21.54% | 21.95% | +1,913 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.64% | 8.87% | 5.12% | 4.77% | 2.97% | -1,567 bps | |
| Net Worth / Assets | 18.64% | 8.87% | 5.12% | 4.77% | 2.97% | -1,567 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.81% | 96.50% | 85.16% | 76.89% | 74.56% | -2,625 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |