Lorain, OH · Charter 14301
Q2 2011
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.35% | 0.19% | 0.28% | -0.15% | -37 bps | |
| Return on Equity | 1.50% | 2.37% | 1.33% | 1.91% | -1.07% | -257 bps | |
| Net Interest Margin | 3.46% | 3.50% | 3.49% | 3.28% | 3.25% | -22 bps | |
| Efficiency Ratio | 89.05% | 90.11% | 89.98% | 91.50% | 104.65% | +1,560 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.96% | -2.16% | 0.94% | 1.26% | 2.61% | +358 bps | |
| Loan Growth (YoY) | -2.01% | -6.00% | -19.16% | -23.40% | -22.49% | -2,048 bps | |
| Share Growth (YoY) | -1.30% | -3.36% | 0.59% | 1.27% | 3.03% | +433 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.18% | 8.13% | 9.95% | 2.55% | 2.27% | -591 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.78% | 0.94% | 1.01% | 1.01% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.65% | 14.89% | 14.66% | 14.74% | 14.36% | -29 bps | |
| Net Worth / Assets | 14.65% | 14.89% | 14.66% | 14.74% | 14.36% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.97% | 66.14% | 55.54% | 51.80% | 50.38% | -1,659 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |