Cornell, WI · Charter 67219
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.
Cornell, WI · Charter 67219
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 | -6.47% | -4.34% | -2.90% | -3.75% | -1.03% | +544 bps | |
| Return on Equity | -33.41% | -22.69% | -15.22% | -20.50% | -5.47% | +2,793 bps | |
| Net Interest Margin | 2.52% | 2.52% | 2.73% | 1.85% | 2.20% | -32 bps | |
| Efficiency Ratio | 150.83% | 136.47% | 105.36% | 282% | 134.68% | -1,615 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.60% | -1.97% | 0.79% | -1.14% | 0.14% | +674 bps | |
| Loan Growth (YoY) | -29.25% | -30.91% | -32.56% | -6.29% | 25.25% | +5,450 bps | |
| Share Growth (YoY) | -5.04% | 1.30% | 5.04% | -0.13% | 1.08% | +611 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.71% | 0.72% | 0.79% | 0.77% | 2.51% | +80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.00% | 3.04% | 3.78% | 3.98% | 3.14% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.37% | 19.12% | 19.04% | 18.27% | 18.84% | -54 bps | |
| Net Worth / Assets | 19.37% | 19.12% | 19.04% | 18.27% | 18.84% | -54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.08% | 34.84% | 31.06% | 31.70% | 43.47% | +839 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |