Cornell, WI · Charter 66748
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Cornell, WI · Charter 66748
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.31% | -2.69% | -0.63% | -0.47% | -101 bps | |
| Return on Equity | 1.98% | 1.11% | -9.86% | -2.35% | -1.73% | -371 bps | |
| Net Interest Margin | 4.68% | 4.67% | 4.67% | 4.19% | 4.37% | -32 bps | |
| Efficiency Ratio | 102.70% | 104.35% | 129.65% | 102.81% | 102.79% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.29% | 0.68% | -2.42% | -1.00% | 0.11% | -419 bps | |
| Loan Growth (YoY) | -15.04% | -12.26% | -18.87% | -3.99% | 4.77% | +1,981 bps | |
| Share Growth (YoY) | 4.86% | 0.21% | -2.96% | -1.26% | 0.62% | -424 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.86% | 0.99% | 1.65% | 2.15% | 1.21% | -266 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.80% | 2.90% | 2.67% | 1.93% | 1.88% | -92 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.36% | 27.83% | 27.30% | 26.79% | 26.88% | -48 bps | |
| Net Worth / Assets | 27.36% | 27.83% | 27.30% | 26.79% | 26.88% | -48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.25% | 74.63% | 67.46% | 75.61% | 78.35% | +310 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |