Cincinnati, OH · Charter 14174
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cincinnati, OH · Charter 14174
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.26% | -1.23% | -1.43% | -1.30% | -1.36% | -10 bps | |
| Return on Equity | -4.29% | -4.06% | -4.72% | -4.24% | -4.43% | -14 bps | |
| Net Interest Margin | 3.15% | 3.22% | 2.96% | 2.97% | 2.88% | -28 bps | |
| Efficiency Ratio | 137.06% | 135.12% | 144.41% | 140.38% | 143.53% | +648 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.62% | -3.25% | -4.04% | -7.71% | -8.36% | -674 bps | |
| Loan Growth (YoY) | -18.30% | -18.38% | -16.24% | -24.29% | -25.88% | -758 bps | |
| Share Growth (YoY) | 2.18% | -3.02% | -4.01% | -9.32% | -10.42% | -1,260 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.51% | 3.67% | 4.45% | 4.07% | 1.99% | -252 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.51% | 5.69% | 6.07% | 6.16% | 7.76% | +225 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.36% | 30.33% | 30.36% | 30.71% | 30.76% | +140 bps | |
| Net Worth / Assets | 29.36% | 30.33% | 30.36% | 30.71% | 30.76% | +140 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.89% | 59.62% | 57.85% | 51.57% | 49.55% | -1,034 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |