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Eddy Employees

Three Rivers, MI · Charter 9867

Q3 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Eddy Employees

Three Rivers, MI · Charter 9867

Q3 2011

$114KAssets
$41KLoans
$92KShares
$21KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -7.69%, down 662 bps year over year; NIM at 8.36%.
  • Asset quality: problem loans at 0.00% of loans (-503 bps YoY).
  • Capital: net worth / assets of 18.64%, down 335 bps from a year ago.
  • Funding: loans stand at 44.99% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-7.69%-662 bps YoY

Net Interest Margin (YTD, annualized)

8.36%+123 bps YoY

Efficiency Ratio (YTD, annualized)

129.32%+2,555 bps YoY

Net Worth / Assets

18.64%-335 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-1.07%-0.81%-1.57%-1.96%-7.69%-662 bps
Return on Equity-4.86%-3.83%-8.56%-11.18%-41.24%-3,638 bps
Net Interest Margin7.13%6.45%6.38%6.33%8.36%+123 bps
Efficiency Ratio103.77%98.51%124.59%124.72%129.32%+2,555 bps
Growth
Asset Growth (YoY)-5.53%3.37%-0.91%4.48%-22.72%-1,720 bps
Loan Growth (YoY)-10.12%-6.07%-7.84%-14.90%-49.83%-3,970 bps
Share Growth (YoY)-3.52%8.80%7.61%11.49%-19.88%-1,636 bps
Asset Quality
Delinquent Loans / Loans5.03%4.58%6.44%5.76%0.00%-503 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.36%1.00%3.06%3.55%0.00%-36 bps
Capital
Risk-Based Capital21.98%21.10%18.33%17.56%18.64%-335 bps
Net Worth / Assets21.98%21.10%18.33%17.56%18.64%-335 bps
Liquidity & Funding
Loans / Shares71.84%72.47%67.38%64.03%44.99%-2,686 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps