Cincinnati, OH · Charter 23252
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.07% | 4.28% | 4.85% | 4.72% | 4.43% | +36 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) | 1.03% | 7.15% | -1.59% | -5.21% | -14.08% | -1,511 bps | |
| Loan Growth (YoY) | -17.89% | -20.11% | -19.01% | -5.27% | -10.76% | +714 bps | |
| Share Growth (YoY) | -0.99% | 6.50% | -3.93% | -7.76% | -18.68% | -1,768 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.70% | 2.33% | 2.05% | 2.09% | 1.53% | -317 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.16% | 1.33% | 1.36% | 1.44% | +11 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 | 58.40% | 66.00% | 70.06% | 69.21% | 64.09% | +569 bps | |
| Liquid Assets / Assets | 28.87% | 23.58% | 23.07% | 27.05% | 36.25% | +738 bps | |