Lordstown, OH · Charter 21331
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | -0.05% | 0.10% | 0.25% | -17.98% | -1,793 bps | |
| Return on Equity | -0.66% | -0.68% | 1.21% | 3.00% | -477% | -47,621 bps | |
| Net Interest Margin | 4.88% | 4.72% | 4.89% | 4.92% | 5.27% | +39 bps | |
| Efficiency Ratio | 99.42% | 100.13% | 98.13% | 94.21% | 193.77% | +9,434 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.34% | -1.29% | 0.24% | 1.97% | -0.09% | +326 bps | |
| Loan Growth (YoY) | -8.74% | -13.21% | 3.06% | 5.50% | 10.90% | +1,964 bps | |
| Share Growth (YoY) | -4.29% | -1.43% | 0.16% | 1.79% | 3.81% | +810 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.57% | 0.51% | 1.89% | 0.00% | -51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.11% | 0.13% | 0.13% | 0.29% | 1.34% | +124 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.00% | 7.84% | 8.08% | 8.16% | 3.77% | -423 bps | |
| Net Worth / Assets | 8.00% | 7.84% | 8.08% | 8.16% | 3.77% | -423 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.65% | 78.80% | 91.96% | 88.70% | 86.16% | +551 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |