Oberlin, OH · Charter 22421
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 | -0.32% | -0.59% | -0.43% | -1.51% | -0.97% | -64 bps | |
| Return on Equity | -3.82% | -6.94% | -5.11% | -19.68% | -12.57% | -875 bps | |
| Net Interest Margin | 4.32% | 4.36% | 3.59% | 3.51% | 3.89% | -43 bps | |
| Efficiency Ratio | 103.65% | 108.57% | 108.70% | 106.40% | 103.43% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.77% | -6.32% | -5.73% | -5.28% | -3.03% | -226 bps | |
| Loan Growth (YoY) | -3.62% | 4.67% | 4.88% | 4.44% | 0.38% | +400 bps | |
| Share Growth (YoY) | -0.63% | -6.31% | -5.40% | -4.41% | -1.98% | -135 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.20% | 3.50% | 3.48% | 2.59% | 1.72% | +52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.95% | 0.84% | 0.75% | 1.44% | 1.42% | +47 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.43% | 8.50% | 8.33% | 7.67% | 7.68% | -75 bps | |
| Net Worth / Assets | 8.43% | 8.50% | 8.33% | 7.67% | 7.68% | -75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.49% | 85.90% | 83.66% | 83.28% | 81.40% | +192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |