East Sparta, OH · Charter 12574
Q3 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.48% | -0.80% | -0.44% | -5.58% | -608 bps | |
| Return on Equity | 2.57% | 2.33% | -3.93% | -2.12% | -28.86% | -3,144 bps | |
| Net Interest Margin | 4.06% | 4.15% | 2.46% | 2.73% | 3.24% | -81 bps | |
| Efficiency Ratio | 84.29% | 85.88% | 132.23% | 113.10% | 269% | +18,451 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.81% | -13.82% | -11.35% | -13.92% | -16.87% | -406 bps | |
| Loan Growth (YoY) | -24.32% | -25.80% | -29.85% | -25.91% | -23.47% | +86 bps | |
| Share Growth (YoY) | -15.74% | -17.10% | -13.86% | -16.84% | -16.70% | -96 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.82% | 6.21% | 0.85% | 3.48% | 8.47% | +465 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.66% | 0.71% | 0.90% | 0.91% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.46% | 20.54% | 20.25% | 20.73% | 19.32% | -14 bps | |
| Net Worth / Assets | 19.46% | 20.54% | 20.25% | 20.73% | 19.32% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.25% | 36.23% | 32.39% | 31.76% | 33.30% | -294 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |