Walton Hills, OH · Charter 11798
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | -0.31% | 0.12% | 0.13% | 0.04% | -46 bps | |
| Return on Equity | 3.45% | -2.21% | 0.82% | 0.91% | 0.30% | -316 bps | |
| Net Interest Margin | 2.96% | 2.71% | 2.64% | 2.69% | 2.59% | -38 bps | |
| Efficiency Ratio | 82.76% | 88.67% | 85.04% | 87.15% | 90.31% | +755 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.65% | -2.71% | 0.08% | -0.87% | 2.60% | +195 bps | |
| Loan Growth (YoY) | -8.43% | -6.92% | -3.57% | -0.65% | 1.98% | +1,041 bps | |
| Share Growth (YoY) | -0.18% | -3.62% | -0.13% | -0.93% | 3.70% | +388 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.77% | 2.63% | 1.19% | 1.74% | 1.93% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 1.28% | 0.63% | 0.60% | 0.44% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.47% | 14.04% | 14.11% | 14.40% | 14.14% | -32 bps | |
| Net Worth / Assets | 14.47% | 14.04% | 14.11% | 14.40% | 14.14% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.37% | 40.80% | 41.22% | 42.58% | 41.67% | -70 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |