Columbus, OH · Charter 12979
Q4 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 20.16% | -7.21% | -6.37% | -7.99% | -858 bps | |
| Return on Equity | 3.99% | 138.36% | -58.44% | -48.53% | -42.74% | -4,673 bps | |
| Net Interest Margin | 4.23% | 23.21% | 4.62% | 4.68% | 6.48% | +226 bps | |
| Efficiency Ratio | 87.14% | 19.09% | 76.87% | 102.32% | 114.18% | +2,704 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.25% | -16.17% | -20.45% | -18.25% | -45.23% | -3,398 bps | |
| Loan Growth (YoY) | -34.05% | -29.93% | -44.24% | 2.87% | 8.28% | +4,233 bps | |
| Share Growth (YoY) | -12.76% | -18.65% | -20.37% | -17.35% | -47.74% | -3,498 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 23.14% | 28.34% | 21.47% | 14.70% | 13.64% | -951 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.04% | 6.02% | 14.87% | 14.74% | 14.13% | +909 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.74% | 14.57% | 12.33% | 13.12% | 18.69% | +395 bps | |
| Net Worth / Assets | 14.74% | 14.57% | 12.33% | 13.12% | 18.69% | +395 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.13% | 27.19% | 21.30% | 33.85% | 58.28% | +3,015 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |