Beford Hghts, OH · Charter 23204
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.24% | 2.77% | 0.30% | 0.29% | 0.39% | -285 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.96% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.90% | 3.63% | 3.97% | n/a | |
| Efficiency Ratio | n/a | n/a | 92.68% | 92.11% | 90.24% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 9.73% | -2.25% | -7.85% | -8.91% | -6.91% | -1,664 bps | |
| Loan Growth (YoY) | 7.63% | 36.84% | 29.77% | -8.18% | -15.35% | -2,298 bps | |
| Share Growth (YoY) | 8.92% | -4.04% | -9.87% | -10.84% | -8.53% | -1,745 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.08% | 0.00% | 0.45% | +45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.48% | 0.51% | 0.58% | 0.62% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 13.28% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 13.28% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.01% | 71.26% | 72.53% | 62.03% | 62.94% | -507 bps | |
| Liquid Assets / Assets | 33.40% | 32.71% | 30.21% | 25.34% | 43.81% | +1,042 bps | |