Carleton, MI · Charter 6510
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.
Carleton, MI · Charter 6510
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 | -3.13% | -4.09% | -4.78% | -19.97% | -22.34% | -1,921 bps | |
| Return on Equity | -34.53% | -58.60% | -94.46% | n/a | n/a | n/a | |
| Net Interest Margin | 1.80% | 1.68% | 1.39% | 1.62% | 2.04% | +24 bps | |
| Efficiency Ratio | 274% | 297% | 422% | 1320% | 1125% | +85,087 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.58% | -10.62% | -6.92% | -9.62% | -26.66% | -2,108 bps | |
| Loan Growth (YoY) | -17.72% | -18.55% | -29.17% | -6.85% | -9.48% | +824 bps | |
| Share Growth (YoY) | -3.77% | -7.85% | -2.07% | 3.36% | -12.36% | -860 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.78% | 0.00% | 0.00% | 0.21% | 0.00% | -178 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.02% | 0.31% | 0.79% | 0.67% | 0.74% | +72 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.06% | 6.97% | 5.06% | -3.21% | -8.33% | -1,740 bps | |
| Net Worth / Assets | 9.06% | 6.97% | 5.06% | -3.21% | -8.33% | -1,740 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.15% | 18.10% | 16.59% | 19.38% | 20.81% | +66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |