Urbana, IL · Charter 65349
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Urbana, IL · Charter 65349
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | -0.41% | -0.85% | -0.74% | -2.19% | -201 bps | |
| Return on Equity | -1.98% | -4.26% | -7.29% | -7.44% | -22.60% | -2,062 bps | |
| Net Interest Margin | 5.17% | 5.62% | 6.77% | 5.18% | 5.23% | +6 bps | |
| Efficiency Ratio | 73.67% | 89.84% | 97.76% | 113.79% | 140.53% | +6,686 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.94% | -12.76% | -25.39% | -20.45% | -25.18% | -1,224 bps | |
| Loan Growth (YoY) | 8.76% | -7.02% | -23.49% | -24.27% | -24.13% | -3,289 bps | |
| Share Growth (YoY) | -14.10% | -13.41% | -26.99% | -21.66% | -25.32% | -1,122 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.62% | 0.63% | 0.58% | 0.00% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.18% | 2.83% | 3.07% | 3.22% | 2.69% | +51 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.03% | 9.61% | 11.73% | 9.90% | 9.69% | +66 bps | |
| Net Worth / Assets | 9.03% | 9.61% | 11.73% | 9.90% | 9.69% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.18% | 75.31% | 84.76% | 69.30% | 78.41% | +123 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |