Toledo, OH · Charter 2459
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.25% | -1.99% | -2.07% | -5.06% | -2.53% | -127 bps | |
| Return on Equity | -6.82% | -10.93% | -11.26% | -30.51% | -14.92% | -810 bps | |
| Net Interest Margin | 4.44% | 4.54% | 4.62% | 3.93% | 3.88% | -56 bps | |
| Efficiency Ratio | 111.01% | 110.11% | 110.43% | 115.87% | 127.21% | +1,620 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.99% | -3.05% | -4.20% | -4.65% | -6.11% | -312 bps | |
| Loan Growth (YoY) | -11.87% | -9.31% | -8.45% | -4.01% | -1.26% | +1,060 bps | |
| Share Growth (YoY) | -3.03% | -1.87% | -2.01% | -2.48% | -4.42% | -139 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.33% | 3.31% | 2.77% | 2.98% | 3.35% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.02% | 1.04% | 1.34% | 1.52% | 1.19% | +118 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.38% | 18.17% | 18.35% | 16.60% | 16.93% | -145 bps | |
| Net Worth / Assets | 18.38% | 18.17% | 18.35% | 16.60% | 16.93% | -145 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.12% | 65.33% | 66.59% | 64.30% | 66.24% | +212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |