Garfield Hts, OH · Charter 4332
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.27% | 3.29% | 2.70% | 0.55% | 1.12% | -215 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 | 4.80% | 4.92% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 73.89% | 71.38% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -1.62% | 3.77% | 2.68% | -0.10% | -4.34% | -271 bps | |
| Loan Growth (YoY) | -15.25% | -18.52% | -24.64% | -16.97% | -12.88% | +237 bps | |
| Share Growth (YoY) | -2.06% | 4.42% | 3.39% | -1.03% | -5.73% | -367 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.74% | 2.15% | 1.38% | 1.59% | 1.64% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 1.19% | 1.68% | 1.23% | 1.50% | +66 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 | 72.00% | 68.72% | 62.03% | 68.74% | 66.54% | -546 bps | |
| Liquid Assets / Assets | 17.29% | 30.30% | 29.93% | 12.98% | 14.46% | -282 bps | |