Gary, IN · Charter 8041
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.
Gary, IN · Charter 8041
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 | -1.13% | 0.02% | -0.62% | 0.40% | -29.99% | -2,886 bps | |
| Return on Equity | -3.45% | 0.06% | -1.85% | 1.22% | -296% | -29,296 bps | |
| Net Interest Margin | 1.58% | 1.72% | 1.87% | 1.91% | -28.43% | -3,002 bps | |
| Efficiency Ratio | 106.92% | 68.28% | 97.25% | 74.30% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.90% | 0.05% | -1.74% | -1.00% | -1.90% | -580 bps | |
| Loan Growth (YoY) | 8.97% | 16.51% | 27.30% | -5.06% | 0.21% | -876 bps | |
| Share Growth (YoY) | 5.90% | 0.14% | -1.03% | -1.05% | 31.79% | +2,590 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.47% | 1.79% | 1.70% | 3.34% | 1.61% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.34% | 1.30% | 1.30% | 1.38% | 0.58% | -77 bps | |
| Capital | |||||||
| Risk-Based Capital | 32.58% | 33.47% | 33.65% | 32.88% | 10.12% | -2,247 bps | |
| Net Worth / Assets | 32.58% | 33.47% | 33.65% | 32.88% | 10.12% | -2,247 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.93% | 54.93% | 56.34% | 51.14% | 39.49% | -1,245 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |