Cuyahoga Falls, OH · Charter 96694
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.
Cuyahoga Falls, OH · Charter 96694
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | -0.07% | -0.22% | -0.53% | -2.58% | -261 bps | |
| Return on Equity | 0.07% | -0.19% | -0.60% | -1.36% | -6.66% | -673 bps | |
| Net Interest Margin | 4.86% | 4.37% | 4.49% | 4.52% | 3.17% | -169 bps | |
| Efficiency Ratio | 99.47% | 101.55% | 104.90% | 111.82% | 181.55% | +8,208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.46% | -3.41% | -0.08% | 1.65% | -7.25% | -79 bps | |
| Loan Growth (YoY) | 4.59% | 1.25% | -23.89% | -25.38% | -47.30% | -5,189 bps | |
| Share Growth (YoY) | -10.40% | -5.41% | 0.31% | 3.50% | -7.54% | +286 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.67% | 3.81% | 7.82% | 8.64% | 8.99% | +533 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.67% | 3.82% | 4.16% | 4.66% | 3.61% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.26% | 34.86% | 36.68% | 38.58% | 38.75% | +49 bps | |
| Net Worth / Assets | 38.26% | 34.86% | 36.68% | 38.58% | 38.75% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.56% | 81.18% | 80.64% | 79.06% | 55.61% | -4,195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |