Warren, OH · Charter 17063
Q3 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.67% | 0.46% | 0.13% | -0.82% | -157 bps | |
| Return on Equity | 4.03% | 3.56% | 2.33% | 0.64% | -3.90% | -793 bps | |
| Net Interest Margin | 4.37% | 4.33% | 4.14% | 4.06% | 3.98% | -39 bps | |
| Efficiency Ratio | 85.25% | 86.76% | 90.34% | 73.05% | 113.17% | +2,792 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.98% | 8.88% | -2.56% | -5.62% | -13.08% | -1,807 bps | |
| Loan Growth (YoY) | -15.16% | -17.97% | -20.92% | -25.85% | -26.07% | -1,091 bps | |
| Share Growth (YoY) | 5.04% | 10.24% | -3.96% | -7.42% | -15.66% | -2,070 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.29% | 0.13% | 0.00% | 0.20% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.80% | 0.68% | 0.55% | 0.58% | -32 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.70% | 18.83% | 19.53% | 20.50% | 21.02% | +232 bps | |
| Net Worth / Assets | 18.70% | 18.83% | 19.53% | 20.50% | 21.02% | +232 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.13% | 40.82% | 38.48% | 37.34% | 37.81% | -532 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |