Jackson, MI · Charter 6675
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.
Jackson, MI · Charter 6675
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 | 0.81% | 1.46% | 1.29% | 1.71% | 1.51% | +70 bps | |
| Return on Equity | 6.64% | 11.10% | 9.80% | 12.61% | 12.62% | +598 bps | |
| Net Interest Margin | 4.92% | 5.01% | 4.53% | 4.49% | 3.66% | -126 bps | |
| Efficiency Ratio | 64.55% | 62.71% | 68.79% | 65.61% | 65.82% | +127 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.93% | -0.32% | 10.11% | 11.60% | 37.46% | +3,553 bps | |
| Loan Growth (YoY) | 3.47% | -3.66% | -11.19% | -3.14% | 33.21% | +2,974 bps | |
| Share Growth (YoY) | 1.24% | -1.80% | 9.88% | 10.19% | 38.98% | +3,774 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.96% | 2.33% | 1.96% | 1.60% | 1.88% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.27% | 2.41% | 2.52% | 2.33% | 1.72% | -55 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.18% | 13.15% | 13.13% | 13.53% | 11.94% | -24 bps | |
| Net Worth / Assets | 12.18% | 13.15% | 13.13% | 13.53% | 11.94% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.39% | 92.79% | 80.30% | 86.49% | 87.59% | -379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |