Columbus, OH · Charter 1083
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.61% | 3.53% | 3.54% | 0.71% | 1.06% | -255 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.73% | 4.88% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 79.52% | 75.88% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.26% | 9.95% | 11.39% | 14.33% | 10.47% | +221 bps | |
| Loan Growth (YoY) | 0.46% | 1.47% | 1.26% | 12.06% | 15.34% | +1,488 bps | |
| Share Growth (YoY) | 8.78% | 11.33% | 12.58% | 16.21% | 10.74% | +197 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.53% | 1.07% | 0.91% | 0.60% | 0.52% | -101 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.41% | 1.29% | 1.33% | 1.21% | 1.15% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.77% | 81.66% | 76.41% | 84.03% | 82.04% | +327 bps | |
| Liquid Assets / Assets | 17.88% | 14.70% | 13.05% | 9.75% | 9.45% | -843 bps | |