Wickliffe, OH · Charter 20082
Q3 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | -0.88% | -0.24% | -0.73% | -2.14% | -196 bps | |
| Return on Equity | -3.06% | -16.19% | -4.57% | -12.41% | -43.65% | -4,059 bps | |
| Net Interest Margin | 1.90% | 1.95% | 1.92% | 2.25% | 2.33% | +43 bps | |
| Efficiency Ratio | 108.00% | 137.58% | 110.79% | 127.42% | 152.66% | +4,466 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.84% | 1.67% | -2.69% | -15.71% | -20.02% | -2,386 bps | |
| Loan Growth (YoY) | 9.66% | 15.58% | 14.78% | 3.76% | -3.39% | -1,305 bps | |
| Share Growth (YoY) | 4.34% | 2.82% | -1.88% | -15.62% | -19.14% | -2,349 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.20% | 2.06% | 1.77% | 5.34% | 4.58% | -62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.75% | 0.78% | 0.78% | 0.64% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.00% | 5.43% | 5.34% | 5.84% | 4.91% | -109 bps | |
| Net Worth / Assets | 6.00% | 5.43% | 5.34% | 5.84% | 4.91% | -109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.13% | 54.83% | 52.90% | 61.22% | 62.29% | +1,016 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |