Ray, ND · Charter 63912
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Ray, ND · Charter 63912
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 | -1.20% | -1.20% | -0.42% | -0.44% | 0.02% | +122 bps | |
| Return on Equity | -10.78% | -12.97% | -5.77% | -6.24% | 0.37% | +1,115 bps | |
| Net Interest Margin | 2.01% | 1.79% | 1.70% | 1.69% | 1.65% | -36 bps | |
| Efficiency Ratio | 159.16% | 161.61% | 122.16% | 122.50% | 121.06% | -3,810 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.68% | 21.96% | 56.53% | 31.92% | 55.45% | +5,277 bps | |
| Loan Growth (YoY) | -7.50% | 12.80% | 17.22% | 34.93% | 76.01% | +8,351 bps | |
| Share Growth (YoY) | 3.49% | 27.10% | 67.45% | 37.17% | 63.45% | +5,996 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.24% | 1.75% | 1.65% | 1.44% | 0.00% | -224 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.12% | 9.28% | 7.30% | 6.99% | 6.58% | -453 bps | |
| Net Worth / Assets | 11.12% | 9.28% | 7.30% | 6.99% | 6.58% | -453 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.79% | 27.70% | 23.48% | 26.09% | 26.69% | +190 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |