Akron, OH · Charter 95062
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Akron, OH · Charter 95062
Q1 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | -1.24% | 0.43% | 0.56% | 0.05% | +2 bps | |
| Return on Equity | 0.32% | -14.88% | 4.97% | 5.92% | 0.49% | +17 bps | |
| Net Interest Margin | 3.93% | 3.94% | 3.86% | 4.00% | 3.55% | -39 bps | |
| Efficiency Ratio | 97.09% | 114.85% | 89.77% | 87.01% | 95.79% | -130 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.74% | 1.31% | -5.70% | -9.45% | -7.08% | -634 bps | |
| Loan Growth (YoY) | 10.52% | 0.26% | -2.82% | -13.91% | -19.39% | -2,991 bps | |
| Share Growth (YoY) | -0.62% | 2.39% | -4.92% | -9.40% | -6.63% | -602 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.57% | 0.61% | 0.44% | 0.59% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.82% | 0.87% | 0.75% | 0.71% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.55% | 8.32% | 8.65% | 9.42% | 9.50% | -5 bps | |
| Net Worth / Assets | 9.55% | 8.32% | 8.65% | 9.42% | 9.50% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.44% | 76.81% | 76.48% | 75.96% | 70.32% | -1,113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |