Bellefontaine, OH · Charter 20948
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.21% | -1.76% | -0.13% | -3.57% | -2.42% | -21 bps | |
| Return on Equity | -40.25% | -30.07% | -2.26% | -75.84% | -51.24% | -1,099 bps | |
| Net Interest Margin | 2.59% | 3.04% | 3.66% | 3.79% | 4.04% | +145 bps | |
| Efficiency Ratio | 146.76% | 131.70% | 100.60% | 105.59% | 104.09% | -4,267 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.50% | 13.16% | 4.64% | -9.13% | -16.10% | -3,460 bps | |
| Loan Growth (YoY) | -2.12% | 13.34% | 33.67% | 56.04% | 29.64% | +3,176 bps | |
| Share Growth (YoY) | 23.09% | 16.75% | 6.91% | -6.71% | -13.80% | -3,689 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.47% | 5.18% | 5.46% | 3.51% | 6.58% | +111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.47% | 2.55% | 1.55% | 2.56% | 2.42% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.49% | 5.86% | 5.83% | 4.70% | 4.73% | -76 bps | |
| Net Worth / Assets | 5.49% | 5.86% | 5.83% | 4.70% | 4.73% | -76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.28% | 45.07% | 47.86% | 57.35% | 59.08% | +1,980 bps | |
| Liquid Assets / Assets | 48.92% | 42.14% | 51.71% | 42.22% | 40.72% | -820 bps | |