Columbus, OH · Charter 4783
Q2 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.10% | 0.13% | -0.37% | -0.21% | -22 bps | |
| Return on Equity | 0.03% | 0.68% | 0.81% | -2.51% | -1.48% | -151 bps | |
| Net Interest Margin | 4.45% | 4.32% | 4.67% | 3.90% | 3.61% | -84 bps | |
| Efficiency Ratio | 92.58% | 92.25% | 93.18% | 101.92% | 101.91% | +933 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.73% | -1.98% | -0.63% | 2.14% | 3.11% | +684 bps | |
| Loan Growth (YoY) | 6.96% | 6.26% | 1.50% | -4.65% | -16.23% | -2,319 bps | |
| Share Growth (YoY) | -4.21% | -2.58% | -0.88% | 2.37% | 3.39% | +761 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.53% | 2.35% | 2.34% | 2.89% | 2.36% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.91% | 0.91% | 0.96% | 0.75% | 0.80% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.82% | 14.56% | 15.80% | 14.92% | 14.38% | -44 bps | |
| Net Worth / Assets | 14.82% | 14.56% | 15.80% | 14.92% | 14.38% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.41% | 88.23% | 92.21% | 81.74% | 73.25% | -1,716 bps | |
| Liquid Assets / Assets | 21.36% | 23.54% | 21.41% | 29.26% | 36.13% | +1,477 bps | |