Ithaca, NY · Charter 8971
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.
Ithaca, NY · Charter 8971
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 | 0.68% | 0.37% | -0.19% | -0.54% | -1.36% | -204 bps | |
| Return on Equity | 6.78% | 3.82% | -2.02% | -6.07% | -17.48% | -2,426 bps | |
| Net Interest Margin | 4.76% | 4.66% | 4.64% | 3.63% | 3.47% | -129 bps | |
| Efficiency Ratio | 67.91% | 74.07% | 87.36% | 114.06% | 124.94% | +5,703 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.97% | -12.35% | -7.47% | 1.17% | 7.33% | +2,230 bps | |
| Loan Growth (YoY) | 0.62% | -6.41% | 0.42% | 0.15% | 8.15% | +753 bps | |
| Share Growth (YoY) | -16.06% | -13.73% | -8.69% | 1.10% | 11.06% | +2,712 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.19% | 10.17% | 6.78% | 6.79% | 4.50% | -569 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.04% | 2.75% | 1.96% | 2.06% | 1.46% | -158 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.97% | 9.78% | 9.58% | 8.87% | 7.78% | -219 bps | |
| Net Worth / Assets | 9.97% | 9.78% | 9.58% | 8.87% | 7.78% | -219 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.35% | 68.45% | 71.59% | 61.89% | 66.56% | -179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |