Cincinnati, OH · Charter 14428
Q2 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.48% | 0.54% | 0.50% | 0.12% | -45 bps | |
| Return on Equity | 4.30% | 3.71% | 4.03% | 3.73% | 0.89% | -341 bps | |
| Net Interest Margin | 3.26% | 3.15% | 3.22% | 3.17% | 3.08% | -19 bps | |
| Efficiency Ratio | 86.85% | 88.08% | 87.14% | 88.13% | 97.08% | +1,023 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.48% | 2.05% | 5.24% | 1.11% | 2.24% | -225 bps | |
| Loan Growth (YoY) | -11.24% | -14.01% | -9.02% | -5.18% | -7.62% | +362 bps | |
| Share Growth (YoY) | 3.75% | 1.59% | 5.03% | 0.75% | 7.56% | +381 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.83% | 0.67% | 0.68% | 0.17% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.90% | 0.84% | 0.67% | 0.46% | -41 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.30% | 12.87% | 13.32% | 13.32% | 13.33% | +2 bps | |
| Net Worth / Assets | 13.30% | 12.87% | 13.32% | 13.32% | 13.33% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.52% | 42.59% | 44.23% | 43.07% | 39.09% | -643 bps | |
| Liquid Assets / Assets | 27.10% | 28.25% | 27.89% | 32.98% | 38.99% | +1,189 bps | |