Lorain, OH · Charter 1920
Q4 2014
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | -0.44% | 0.04% | 0.05% | -0.38% | -31 bps | |
| Return on Equity | -0.66% | -4.66% | 0.43% | 0.47% | -3.67% | -301 bps | |
| Net Interest Margin | 2.22% | 2.12% | 2.00% | 2.15% | 2.27% | +5 bps | |
| Efficiency Ratio | 108.53% | 113.77% | 101.67% | 100.60% | 111.29% | +276 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.67% | 0.47% | 5.90% | -4.24% | -7.31% | -564 bps | |
| Loan Growth (YoY) | 2.87% | 2.70% | -4.98% | -14.65% | -14.75% | -1,762 bps | |
| Share Growth (YoY) | -1.64% | 0.73% | 6.62% | -4.56% | -7.66% | -602 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.42% | 2.01% | 1.70% | 1.90% | 1.55% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.77% | 0.69% | 0.60% | 0.45% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.83% | 9.36% | 9.16% | 10.00% | 10.23% | +40 bps | |
| Net Worth / Assets | 9.83% | 9.36% | 9.16% | 10.00% | 10.23% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.61% | 42.17% | 39.73% | 41.12% | 42.11% | -350 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |