Bedford, IN · Charter 68288
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Bedford, IN · Charter 68288
Q3 2008
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.56% | 0.42% | 0.55% | 0.62% | -2 bps | |
| Return on Equity | 7.19% | 6.56% | 4.71% | 6.18% | 6.73% | -46 bps | |
| Net Interest Margin | 3.40% | 3.25% | 3.54% | 3.57% | 3.69% | +29 bps | |
| Efficiency Ratio | 77.14% | 77.57% | 74.40% | 71.95% | 70.18% | -695 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.99% | 7.71% | 4.10% | 4.45% | 3.49% | +50 bps | |
| Loan Growth (YoY) | 2.86% | 4.27% | 5.47% | 5.60% | 5.67% | +281 bps | |
| Share Growth (YoY) | 4.78% | 9.71% | 4.23% | 3.64% | 0.88% | -390 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.45% | 1.58% | 1.38% | 1.31% | 1.22% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 1.00% | 1.14% | 1.13% | 1.13% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.96% | 8.60% | 8.90% | 8.90% | 9.23% | +27 bps | |
| Net Worth / Assets | 8.96% | 8.60% | 8.90% | 8.90% | 9.23% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 111.17% | 107.25% | 111.66% | 112.21% | 116.45% | +528 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |