Mt. Healthy, OH · Charter 13412
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | -0.26% | -0.37% | -0.47% | -4.24% | -433 bps | |
| Return on Equity | 1.07% | -3.27% | -4.67% | -5.28% | -37.57% | -3,864 bps | |
| Net Interest Margin | 4.24% | 4.42% | 4.32% | 4.82% | 5.05% | +81 bps | |
| Efficiency Ratio | 98.16% | 105.75% | 108.32% | 109.48% | 182.80% | +8,464 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.10% | -13.13% | -10.56% | -18.74% | -42.30% | -4,340 bps | |
| Loan Growth (YoY) | -37.44% | -23.80% | -35.84% | -32.57% | -40.80% | -336 bps | |
| Share Growth (YoY) | 0.93% | -14.17% | -11.06% | -19.26% | -44.24% | -4,517 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.79% | 2.72% | 3.12% | 3.69% | +369 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 1.11% | 1.15% | 1.37% | 1.64% | +67 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.53% | 8.00% | 7.99% | 8.94% | 11.30% | +377 bps | |
| Net Worth / Assets | 7.53% | 8.00% | 7.99% | 8.94% | 11.30% | +377 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.74% | 45.35% | 44.41% | 42.86% | 50.68% | +294 bps | |
| Liquid Assets / Assets | 52.90% | 54.69% | 55.46% | 56.82% | 49.91% | -299 bps | |