Ashland, OH · Charter 15667
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Ashland, OH · Charter 15667
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.06% | 4.89% | 3.84% | 4.23% | 4.14% | -92 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -12.00% | -6.13% | -9.77% | -1.42% | -1.33% | +1,068 bps | |
| Loan Growth (YoY) | -46.68% | -39.79% | -27.34% | -12.40% | -4.18% | +4,251 bps | |
| Share Growth (YoY) | -2.38% | 5.95% | -5.98% | -3.38% | -2.80% | -43 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.67% | 6.10% | 6.96% | 6.57% | 5.57% | +90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 2.37% | 2.72% | 1.66% | 1.11% | -83 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.49% | 57.57% | 59.10% | 58.14% | 54.71% | -78 bps | |
| Liquid Assets / Assets | 41.08% | 43.35% | 48.95% | 42.90% | 52.06% | +1,098 bps | |