Cincinnati, OH · Charter 15892
Q1 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.30% | -4.40% | -5.56% | -4.00% | 3.24% | +354 bps | |
| Return on Equity | -4.70% | -71.04% | -122.91% | -81.18% | 65.60% | +7,029 bps | |
| Net Interest Margin | 2.04% | 2.27% | 2.38% | 2.60% | 4.05% | +201 bps | |
| Efficiency Ratio | 80.66% | 151.20% | 234% | 181.69% | 36.62% | -4,404 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.44% | -13.32% | -18.08% | -16.34% | -34.08% | -3,952 bps | |
| Loan Growth (YoY) | 2.96% | -15.95% | -20.55% | -28.00% | -25.81% | -2,877 bps | |
| Share Growth (YoY) | 6.94% | -11.12% | -16.21% | -14.76% | -33.09% | -4,003 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.09% | 4.00% | 5.52% | 8.62% | 25.34% | +1,825 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.91% | 5.20% | 5.23% | 5.67% | 4.12% | +122 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.45% | 6.20% | 4.52% | 4.92% | 4.94% | -151 bps | |
| Net Worth / Assets | 6.45% | 6.20% | 4.52% | 4.92% | 4.94% | -151 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.60% | 85.10% | 81.72% | 73.79% | 79.39% | +779 bps | |
| Liquid Assets / Assets | 33.18% | 22.49% | 23.35% | 19.79% | 24.94% | -824 bps | |