Columbus, OH · Charter 3523
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Columbus, OH · Charter 3523
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | -0.82% | -0.68% | -0.92% | -0.42% | -9 bps | |
| Return on Equity | -4.10% | -9.37% | -7.45% | -9.63% | -4.34% | -24 bps | |
| Net Interest Margin | 3.40% | 3.45% | 3.74% | 3.92% | 1.26% | -214 bps | |
| Efficiency Ratio | 95.72% | 103.08% | 104.56% | 112.74% | 123.75% | +2,803 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.36% | -18.65% | -25.41% | -27.37% | -24.60% | -1,824 bps | |
| Loan Growth (YoY) | -38.06% | -34.02% | -46.26% | -47.47% | -41.94% | -388 bps | |
| Share Growth (YoY) | -6.27% | -19.54% | -26.89% | -28.95% | -26.00% | -1,973 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.79% | 13.26% | 13.57% | 9.83% | 4.55% | -624 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.85% | 6.67% | 6.47% | 5.28% | 5.65% | -219 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.02% | 8.75% | 9.15% | 9.60% | 9.69% | +167 bps | |
| Net Worth / Assets | 8.02% | 8.75% | 9.15% | 9.60% | 9.69% | +167 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.48% | 27.50% | 23.19% | 22.61% | 21.56% | -592 bps | |
| Liquid Assets / Assets | 74.66% | 56.49% | 66.97% | 38.30% | 79.00% | +434 bps | |