Lima, OH · Charter 13119
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 | -0.22% | -1.14% | 0.32% | -0.98% | -0.49% | -26 bps | |
| Return on Equity | -1.93% | -10.47% | 3.45% | -12.01% | -5.18% | -325 bps | |
| Net Interest Margin | 5.47% | 5.73% | 5.37% | 4.84% | 4.60% | -87 bps | |
| Efficiency Ratio | 90.23% | 87.80% | 101.88% | 104.38% | 100.18% | +995 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.51% | -6.03% | -5.15% | -2.28% | -2.98% | -47 bps | |
| Loan Growth (YoY) | -8.80% | -14.93% | -16.89% | -18.71% | -19.30% | -1,050 bps | |
| Share Growth (YoY) | -2.94% | -5.50% | -2.83% | 0.96% | -0.30% | +263 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.70% | 3.17% | 3.20% | 3.00% | 2.93% | -376 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.82% | 1.03% | 0.89% | 0.99% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.65% | 10.86% | 9.14% | 8.13% | 9.44% | -221 bps | |
| Net Worth / Assets | 11.65% | 10.86% | 9.14% | 8.13% | 9.44% | -221 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.98% | 81.59% | 69.88% | 63.83% | 70.40% | -1,658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |