PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City County Employees

Chillicothe, OH · Charter 17926

Q4 2009

$540KAssets
$146KLoans
$476KShares
$63KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.75%, down 581 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.61%, down 177 bps from a year ago.
  • Funding: loans stand at 30.74% of shares as of Q4 2009.

Financial Results

Return on Assets (quarter, annualized)

-2.75%-581 bps YoY

Net Interest Margin (quarter, annualized)

2.43%-114 bps YoY

Efficiency Ratio (quarter, annualized)

256%+11,155 bps YoY

Net Worth / Assets

11.61%-177 bps YoY

Discrete quarter, annualized.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets3.06%-2.55%-2.20%-1.66%-2.75%-581 bps
Return on Equity22.89%-20.77%-19.90%-15.01%-23.66%-4,655 bps
Net Interest Margin3.57%2.62%2.14%2.33%2.43%-114 bps
Efficiency Ratio144.85%265%253%223%256%+11,155 bps
Growth
Asset Growth (YoY)12.71%11.99%7.80%7.13%5.67%-704 bps
Loan Growth (YoY)-23.48%-20.42%-4.06%8.16%7.41%+3,089 bps
Share Growth (YoY)10.46%10.08%9.98%9.82%7.85%-261 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.84%7.67%6.39%7.68%0.00%-784 bps
Capital
Risk-Based Capital13.38%12.25%11.07%11.09%11.61%-177 bps
Net Worth / Assets13.38%12.25%11.07%11.09%11.61%-177 bps
Liquidity & Funding
Loans / Shares30.87%26.71%27.94%30.62%30.74%-13 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps