Manitowoc, WI · Charter 66784
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 | -0.35% | -3.01% | -2.31% | 0.49% | -11.63% | -1,128 bps | |
| Return on Equity | -1.61% | -15.09% | -11.30% | 2.46% | -198.09% | -19,648 bps | |
| Net Interest Margin | 3.97% | 3.83% | 3.74% | 2.78% | 2.75% | -122 bps | |
| Efficiency Ratio | 58.62% | 59.41% | 64.85% | 83.60% | 131.07% | +7,245 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.06% | 0.19% | -0.48% | 2.27% | -4.11% | -517 bps | |
| Loan Growth (YoY) | -14.27% | -19.61% | -21.29% | -24.09% | -23.28% | -901 bps | |
| Share Growth (YoY) | 2.59% | 4.75% | 2.34% | 5.02% | 7.31% | +472 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.88% | 15.01% | 16.86% | 5.46% | 19.93% | +406 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.19% | 8.22% | 8.48% | 9.11% | 27.98% | +2,278 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.67% | 19.95% | 20.45% | 19.76% | 5.87% | -1,580 bps | |
| Net Worth / Assets | 21.67% | 19.95% | 20.45% | 19.76% | 5.87% | -1,580 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.57% | 62.28% | 60.37% | 53.53% | 48.30% | -1,927 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |