Akron, OH · Charter 5643
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Akron, OH · Charter 5643
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.41% | 0.46% | 1.28% | 0.39% | -18 bps | |
| Return on Equity | 7.65% | 5.71% | 5.94% | 17.71% | 5.18% | -247 bps | |
| Net Interest Margin | 3.80% | 3.68% | 3.86% | 3.40% | 3.49% | -31 bps | |
| Efficiency Ratio | 86.02% | 88.10% | 87.95% | 72.14% | 90.16% | +414 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.48% | 8.04% | 6.51% | 4.16% | 3.92% | -256 bps | |
| Loan Growth (YoY) | 4.94% | 0.87% | -1.54% | -6.44% | 0.92% | -402 bps | |
| Share Growth (YoY) | 6.57% | 7.87% | 6.38% | 3.96% | 3.81% | -276 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.39% | 1.10% | 0.79% | 1.01% | +60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.68% | 0.70% | 0.63% | 0.65% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.40% | 7.23% | 7.78% | 7.21% | 7.48% | +7 bps | |
| Net Worth / Assets | 7.40% | 7.23% | 7.78% | 7.21% | 7.48% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.97% | 69.68% | 74.04% | 65.61% | 69.96% | -201 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |