Vandalia, OH · Charter 14213
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | -0.01% | -0.04% | -0.75% | -0.58% | -63 bps | |
| Return on Equity | 0.23% | -0.05% | -0.19% | -3.66% | -2.79% | -302 bps | |
| Net Interest Margin | 4.44% | 4.29% | 3.78% | 3.49% | 3.55% | -89 bps | |
| Efficiency Ratio | 98.84% | 100.26% | 101.09% | 121.58% | 116.24% | +1,740 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.30% | 2.03% | 4.15% | 6.08% | 3.80% | +150 bps | |
| Loan Growth (YoY) | -10.09% | -14.04% | -15.46% | -9.22% | -1.52% | +857 bps | |
| Share Growth (YoY) | 2.83% | 2.55% | 5.34% | 8.06% | 5.57% | +275 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.39% | 2.08% | 1.06% | 2.61% | 2.31% | +93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.66% | 0.73% | 0.73% | 0.45% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.98% | 21.71% | 21.29% | 20.57% | 20.69% | -128 bps | |
| Net Worth / Assets | 21.98% | 21.71% | 21.29% | 20.57% | 20.69% | -128 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.37% | 80.44% | 74.20% | 75.27% | 78.70% | -567 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |