Columbus, OH · Charter 23040
Q2 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.02% | -0.81% | 1.28% | 1.23% | +80 bps | |
| Return on Equity | 3.46% | 0.12% | -6.32% | 9.65% | 9.74% | +629 bps | |
| Net Interest Margin | 2.86% | 3.05% | 3.30% | 3.72% | 3.42% | +56 bps | |
| Efficiency Ratio | 64.85% | 64.00% | 58.95% | 56.93% | 55.21% | -964 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.08% | 1.02% | -6.98% | -10.88% | -3.38% | -1,146 bps | |
| Loan Growth (YoY) | 4.15% | 1.40% | 1.79% | -4.91% | -8.47% | -1,262 bps | |
| Share Growth (YoY) | 8.97% | 1.36% | -7.13% | -11.81% | -3.48% | -1,245 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 0.65% | 0.95% | 0.37% | 0.66% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 0.22% | 2.59% | 2.31% | 2.85% | +184 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.56% | 12.96% | 12.88% | 13.30% | 12.64% | +8 bps | |
| Net Worth / Assets | 12.56% | 12.96% | 12.88% | 13.30% | 12.64% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.58% | 64.98% | 68.55% | 65.74% | 57.45% | -313 bps | |
| Liquid Assets / Assets | 45.31% | 29.97% | 28.05% | 27.57% | 36.51% | -880 bps | |