Kidron, OH · Charter 24180
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.15% | 3.70% | 4.64% | 1.21% | 2.47% | -168 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 | 3.24% | 4.36% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 63.88% | 44.03% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 68.62% | 86.03% | 79.79% | 52.59% | 25.04% | -4,357 bps | |
| Loan Growth (YoY) | 49.49% | 74.17% | 66.97% | 53.22% | 33.26% | -1,622 bps | |
| Share Growth (YoY) | 75.11% | 91.09% | 83.50% | 53.07% | 22.49% | -5,262 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 0.06% | 0.00% | 0.26% | 0.36% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.15% | 0.15% | 0.16% | 0.15% | 0.17% | +3 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 | 84.31% | 82.02% | 83.59% | 85.39% | 91.72% | +741 bps | |
| Liquid Assets / Assets | 16.74% | 18.90% | 11.73% | 5.20% | 2.52% | -1,422 bps | |