Kettering, OH · Charter 16316
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.24% | 1.01% | 0.46% | 0.97% | -37 bps | |
| Return on Equity | 13.11% | 11.55% | 10.21% | 4.71% | 9.82% | -329 bps | |
| Net Interest Margin | 4.37% | 4.51% | 4.13% | 4.31% | 4.39% | +2 bps | |
| Efficiency Ratio | 71.02% | 74.31% | 77.18% | 85.36% | 77.84% | +682 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.89% | -0.38% | 9.82% | 5.21% | 13.04% | +1,216 bps | |
| Loan Growth (YoY) | 10.30% | 11.57% | 17.06% | 15.66% | 20.03% | +973 bps | |
| Share Growth (YoY) | -0.30% | -1.87% | 9.63% | 4.61% | 13.47% | +1,377 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.50% | 0.27% | 0.35% | 0.44% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.79% | 0.57% | 0.61% | 0.60% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.23% | 10.73% | 9.89% | 9.84% | 9.90% | -33 bps | |
| Net Worth / Assets | 10.23% | 10.73% | 9.89% | 9.84% | 9.90% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.64% | 78.73% | 74.03% | 77.99% | 80.01% | +438 bps | |
| Liquid Assets / Assets | 24.26% | 22.10% | 24.18% | 21.35% | 18.75% | -551 bps | |