North Jackson, OH · Charter 2618
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | -0.01% | -3.05% | -2.09% | -2.82% | -264 bps | |
| Return on Equity | -2.55% | -0.17% | -58.68% | -40.14% | -92.97% | -9,042 bps | |
| Net Interest Margin | 2.56% | 2.85% | 2.93% | 2.94% | 2.85% | +29 bps | |
| Efficiency Ratio | 105.40% | 100.35% | 160.14% | 152.92% | 174.57% | +6,917 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.84% | -8.60% | 7.39% | -2.03% | -16.86% | -1,402 bps | |
| Loan Growth (YoY) | -19.61% | -19.13% | -15.72% | -19.32% | -21.56% | -195 bps | |
| Share Growth (YoY) | -2.91% | -9.29% | 10.16% | 0.60% | -14.06% | -1,115 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.76% | 0.57% | 0.50% | 0.41% | +23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.26% | 2.20% | 2.49% | 5.96% | +473 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.33% | 8.07% | 5.20% | 5.22% | 3.04% | -429 bps | |
| Net Worth / Assets | 7.33% | 8.07% | 5.20% | 5.22% | 3.04% | -429 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.35% | 40.41% | 38.74% | 39.11% | 34.09% | -326 bps | |
| Liquid Assets / Assets | 46.19% | 42.68% | 44.16% | 41.49% | 41.44% | -474 bps | |