Solon, OH · Charter 5225
Q4 1997
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.28% | -6.01% | -1.17% | -9.37% | -3.78% | -806 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -37.44% | -30.80% | -14.08% | -30.17% | n/a | |
| Loan Growth (YoY) | n/a | -10.04% | -18.85% | -25.97% | -39.81% | n/a | |
| Share Growth (YoY) | n/a | -38.57% | -31.92% | -6.34% | -26.73% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.90% | 10.30% | 6.13% | 8.29% | 12.66% | +376 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 7.92% | 3.30% | 10.08% | 13.94% | +1,316 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 | 85.00% | 79.68% | 77.14% | 69.56% | 69.82% | -1,518 bps | |
| Liquid Assets / Assets | 13.39% | 14.51% | 14.59% | 16.63% | 22.39% | +900 bps | |