Cincinnati, OH · Charter 2606
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | -0.52% | -0.80% | -0.73% | -3.65% | -370 bps | |
| Return on Equity | 0.56% | -5.52% | -8.62% | -7.59% | -52.82% | -5,338 bps | |
| Net Interest Margin | 3.09% | 2.69% | 2.66% | 2.74% | 2.87% | -23 bps | |
| Efficiency Ratio | 89.44% | 102.96% | 105.50% | 103.90% | 239% | +14,912 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.60% | 1.45% | 3.92% | -3.07% | -9.21% | -1,481 bps | |
| Loan Growth (YoY) | -10.99% | -14.41% | -14.65% | -15.49% | -0.16% | +1,083 bps | |
| Share Growth (YoY) | 2.62% | 2.81% | 3.29% | -2.52% | -5.41% | -803 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.32% | 2.39% | 2.17% | 1.25% | 1.28% | -204 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.34% | 1.35% | 1.39% | 1.38% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.57% | 9.41% | 9.34% | 9.61% | 6.90% | -267 bps | |
| Net Worth / Assets | 9.57% | 9.41% | 9.34% | 9.61% | 6.90% | -267 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.69% | 61.68% | 61.90% | 62.08% | 72.50% | +381 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |