Danville, IL · Charter 81543
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 | 0.83% | 0.46% | 0.20% | 0.62% | 0.77% | -7 bps | |
| Return on Equity | 2.39% | 1.35% | 0.57% | 1.77% | 2.24% | -16 bps | |
| Net Interest Margin | 5.25% | 5.00% | 5.45% | 5.86% | 5.30% | +4 bps | |
| Efficiency Ratio | 85.54% | 91.46% | 96.41% | 89.40% | 85.55% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.43% | -2.49% | -0.77% | -2.43% | 2.93% | +936 bps | |
| Loan Growth (YoY) | 11.75% | 3.67% | 1.37% | -7.31% | -7.25% | -1,900 bps | |
| Share Growth (YoY) | -9.90% | -3.34% | -1.53% | -4.02% | 3.90% | +1,381 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.82% | 6.88% | 7.31% | 6.47% | 4.79% | +96 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.66% | 3.60% | 3.42% | 3.83% | 3.99% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.87% | 33.73% | 34.62% | 35.09% | 34.24% | -63 bps | |
| Net Worth / Assets | 34.87% | 33.73% | 34.62% | 35.09% | 34.24% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 116.78% | 114.04% | 122.78% | 113.03% | 104.25% | -1,253 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |