PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Polish Combatants

Bedford, OH · Charter 63784

Q3 2013

$120KAssets
$17KLoans
$104KShares
$15KNet 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 1.44%, down 20 bps year over year; NIM at 2.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.85%, down 65 bps from a year ago.
  • Funding: loans stand at 16.84% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

1.44%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.10%-20 bps YoY

Efficiency Ratio (YTD, annualized)

31.66%+270 bps YoY

Net Worth / Assets

12.85%-65 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets1.64%1.35%1.40%1.36%1.44%-20 bps
Return on Equity12.12%10.09%10.85%10.58%11.17%-95 bps
Net Interest Margin2.30%2.28%2.14%2.10%2.10%-20 bps
Efficiency Ratio28.96%40.71%34.43%35.06%31.66%+270 bps
Growth
Asset Growth (YoY)0.88%1.26%4.52%4.49%4.99%+411 bps
Loan Growth (YoY)-1.00%-2.24%3.72%-15.27%-13.97%-1,297 bps
Share Growth (YoY)0.96%1.48%5.30%5.30%5.96%+500 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.50%13.37%12.92%12.88%12.85%-65 bps
Net Worth / Assets13.50%13.37%12.92%12.88%12.85%-65 bps
Liquidity & Funding
Loans / Shares20.74%19.03%19.20%15.97%16.84%-390 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps