Cincinnati, OH · Charter 2087
Q3 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.44% | 0.35% | 0.37% | 0.02% | -45 bps | |
| Return on Equity | 3.32% | 3.17% | 2.47% | 2.59% | 0.11% | -320 bps | |
| Net Interest Margin | 2.39% | 2.33% | 2.29% | 2.35% | 2.42% | +3 bps | |
| Efficiency Ratio | 83.09% | 83.50% | 81.13% | 81.60% | 86.27% | +318 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.65% | -2.12% | -0.45% | 0.31% | 0.56% | +220 bps | |
| Loan Growth (YoY) | 1.14% | -0.24% | -2.04% | -2.44% | 2.79% | +165 bps | |
| Share Growth (YoY) | -2.41% | -3.02% | -1.10% | -0.18% | 0.36% | +277 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 1.28% | 1.15% | 1.15% | 1.18% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.30% | 0.30% | 0.25% | 0.27% | 0.95% | +65 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.04% | 13.99% | 14.03% | 14.19% | 14.07% | +3 bps | |
| Net Worth / Assets | 14.04% | 13.99% | 14.03% | 14.19% | 14.07% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.97% | 32.07% | 31.17% | 31.77% | 33.77% | +80 bps | |
| Liquid Assets / Assets | 37.58% | 39.68% | 36.20% | 34.75% | 32.95% | -464 bps | |