Lorain, OH · Charter 13899
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.66% | 0.58% | -0.58% | -4.04% | -2.94% | -560 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -26.80% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.17% | 6.22% | 4.74% | n/a | |
| Efficiency Ratio | n/a | n/a | 104.23% | 74.27% | 100.80% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.14% | -3.01% | 3.12% | -6.68% | -7.97% | -911 bps | |
| Loan Growth (YoY) | -14.93% | -32.67% | -19.10% | -35.12% | -27.51% | -1,258 bps | |
| Share Growth (YoY) | 0.63% | -2.78% | 5.33% | -2.48% | -2.81% | -344 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.09% | 18.69% | 17.12% | 20.68% | 20.81% | +572 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.41% | 10.48% | 9.60% | 20.68% | 20.81% | +1,341 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 10.96% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 10.96% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.71% | 37.70% | 39.45% | 35.11% | 35.59% | -1,212 bps | |
| Liquid Assets / Assets | 61.77% | 70.05% | 65.09% | 45.03% | 73.93% | +1,216 bps | |