Cincinnati, OH · Charter 24592
Q2 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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.16% | -5.36% | -1.15% | -2.97% | -28.21% | -2,305 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 | 6.86% | 9.48% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 97.13% | 187.80% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 203% | 86.68% | -3.66% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 762% | 80.87% | n/a | |
| Share Growth (YoY) | n/a | n/a | 239% | 88.78% | 5.04% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.92% | 9.13% | 7.29% | 15.35% | 0.35% | -457 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 2.27% | 2.56% | 4.56% | 0.00% | -212 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 | 30.85% | 44.82% | 56.91% | 56.26% | 53.11% | +2,227 bps | |
| Liquid Assets / Assets | 46.15% | 39.50% | 28.62% | 14.96% | 10.99% | -3,516 bps | |