Lima, OH · Charter 1128
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.78% | -0.74% | -0.93% | -1.10% | -5.60% | -483 bps | |
| Return on Equity | -2.97% | -2.81% | -3.73% | -4.25% | -21.33% | -1,836 bps | |
| Net Interest Margin | 1.95% | 1.95% | 1.72% | 1.76% | -1.08% | -304 bps | |
| Efficiency Ratio | 140.68% | 141.47% | 147.40% | 154.12% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.14% | -0.23% | -1.03% | -3.30% | -14.72% | -1,158 bps | |
| Loan Growth (YoY) | -6.40% | -3.05% | 2.90% | 4.52% | 0.05% | +645 bps | |
| Share Growth (YoY) | -3.74% | 0.40% | -1.45% | -4.93% | -11.98% | -824 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.14% | 0.15% | 1.85% | 0.14% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.45% | 0.46% | 0.44% | 0.45% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.13% | 26.23% | 24.98% | 25.95% | 26.27% | +14 bps | |
| Net Worth / Assets | 26.13% | 26.23% | 24.98% | 25.95% | 26.27% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.43% | 35.69% | 32.80% | 37.17% | 40.27% | +484 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |