Neenah, WI · Charter 66653
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.
Neenah, WI · Charter 66653
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 | -0.41% | -0.20% | -0.55% | -0.10% | -1.82% | -142 bps | |
| Return on Equity | -2.20% | -1.14% | -3.15% | -0.57% | -11.24% | -904 bps | |
| Net Interest Margin | 4.29% | 4.16% | 4.09% | 3.74% | 3.80% | -50 bps | |
| Efficiency Ratio | 84.82% | 87.35% | 90.34% | 100.70% | 132.20% | +4,738 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.54% | 1.92% | 7.49% | 6.09% | 2.45% | +191 bps | |
| Loan Growth (YoY) | -6.77% | -5.73% | -5.96% | -5.83% | -7.27% | -50 bps | |
| Share Growth (YoY) | 1.38% | 2.97% | 10.23% | 7.50% | 1.70% | +32 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.52% | 2.06% | 1.87% | 2.55% | 2.13% | +61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.40% | 0.47% | 0.49% | 0.00% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.39% | 17.96% | 17.39% | 17.10% | 16.22% | -216 bps | |
| Net Worth / Assets | 18.39% | 17.96% | 17.39% | 17.10% | 16.22% | -216 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.67% | 80.94% | 76.60% | 72.36% | 75.37% | -729 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |