Strongsville, OH · Charter 21750
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.36% | 3.69% | 3.35% | 3.77% | 2.70% | -66 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 51.17% | 74.32% | -3.40% | -2.54% | -5.97% | -5,714 bps | |
| Loan Growth (YoY) | 30.68% | 13.19% | -22.09% | -14.11% | -3.91% | -3,459 bps | |
| Share Growth (YoY) | 44.61% | 75.68% | -5.55% | -4.87% | -8.35% | -5,296 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.75% | 3.24% | 6.01% | 4.53% | 1.99% | -76 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.31% | 1.64% | 1.16% | 0.93% | 0.76% | -55 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.92% | 55.54% | 51.22% | 60.60% | 62.83% | +291 bps | |
| Liquid Assets / Assets | 44.75% | 49.35% | 52.61% | 47.70% | 43.65% | -110 bps | |