Columbus, OH · Charter 24295
Q4 2006
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 1.33% | 1.31% | 1.36% | 1.53% | +46 bps | |
| Return on Equity | 8.83% | 11.94% | 11.10% | 11.29% | 11.97% | +315 bps | |
| Net Interest Margin | 2.89% | 2.95% | 3.12% | 3.18% | 3.30% | +41 bps | |
| Efficiency Ratio | 63.57% | 59.02% | 60.11% | 58.89% | 57.32% | -625 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.48% | 10.75% | 13.03% | 10.32% | 7.87% | -361 bps | |
| Loan Growth (YoY) | 19.21% | 21.11% | 23.11% | 15.88% | 13.22% | -599 bps | |
| Share Growth (YoY) | 11.71% | 10.60% | 12.50% | 9.12% | 7.13% | -458 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.19% | 0.10% | 0.11% | 0.11% | 0.16% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.30% | 0.29% | 0.31% | 0.25% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.10% | 11.11% | 11.80% | 12.06% | 12.74% | +64 bps | |
| Net Worth / Assets | 12.10% | 11.11% | 11.80% | 12.06% | 12.74% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.90% | 71.73% | 79.09% | 81.27% | 85.50% | +460 bps | |
| Liquid Assets / Assets | 118.25% | 120.30% | 0.00% | 0.00% | 0.00% | -11,825 bps | |