Rio, WI · Charter 66599
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.
Rio, WI · Charter 66599
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 | -4.33% | -2.20% | -0.50% | -0.23% | -1.11% | +323 bps | |
| Return on Equity | -9.73% | -5.13% | -1.14% | -0.55% | -2.63% | +710 bps | |
| Net Interest Margin | 5.09% | 5.29% | 6.93% | 6.95% | 7.24% | +215 bps | |
| Efficiency Ratio | 182.42% | 138.11% | 106.98% | 103.21% | 114.93% | -6,749 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.90% | -4.09% | -5.67% | 2.57% | 2.36% | +627 bps | |
| Loan Growth (YoY) | -8.71% | 10.76% | 36.18% | 64.17% | 49.08% | +5,779 bps | |
| Share Growth (YoY) | -3.94% | -2.75% | -6.64% | 8.13% | 7.10% | +1,104 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.20% | 6.56% | 2.38% | 1.96% | 1.87% | -1,133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.12% | 6.72% | 5.83% | 5.23% | 5.45% | -267 bps | |
| Capital | |||||||
| Risk-Based Capital | 44.52% | 42.83% | 43.57% | 42.20% | 42.00% | -252 bps | |
| Net Worth / Assets | 44.52% | 42.83% | 43.57% | 42.20% | 42.00% | -252 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 111.78% | 127.97% | 152.55% | 160.59% | 155.60% | +4,382 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |