Strum, WI · Charter 66441
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 | -1.95% | -1.54% | -2.64% | -2.91% | -0.85% | +109 bps | |
| Return on Equity | -17.96% | -14.39% | -29.07% | -32.79% | -9.14% | +882 bps | |
| Net Interest Margin | 3.51% | 3.59% | 3.58% | 3.90% | 4.15% | +64 bps | |
| Efficiency Ratio | 70.84% | 74.86% | 77.76% | 76.79% | 81.98% | +1,115 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.54% | -2.41% | 0.82% | -5.42% | -8.33% | -987 bps | |
| Loan Growth (YoY) | -2.09% | -3.45% | -7.21% | -5.65% | -13.61% | -1,153 bps | |
| Share Growth (YoY) | 2.80% | -2.14% | 4.43% | -3.20% | -6.50% | -930 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.76% | 10.56% | 9.92% | 12.25% | 7.77% | -300 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.26% | 2.63% | 3.05% | 4.42% | 2.69% | +42 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.83% | 10.71% | 9.09% | 8.87% | 9.32% | -151 bps | |
| Net Worth / Assets | 10.83% | 10.71% | 9.09% | 8.87% | 9.32% | -151 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.52% | 84.49% | 79.36% | 83.15% | 77.17% | -635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |