Akron, OH · Charter 5769
Q4 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.19% | -1.87% | -1.96% | -3.20% | -2.53% | -134 bps | |
| Return on Equity | -10.80% | -18.02% | -19.07% | -31.01% | -24.14% | -1,334 bps | |
| Net Interest Margin | 4.26% | 3.66% | 3.77% | 4.20% | 4.56% | +30 bps | |
| Efficiency Ratio | 126.90% | 149.38% | 150.58% | 146.67% | 153.65% | +2,675 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.67% | 22.53% | 11.26% | -11.53% | -21.17% | -4,184 bps | |
| Loan Growth (YoY) | -17.28% | -11.86% | 3.47% | 21.13% | 25.42% | +4,270 bps | |
| Share Growth (YoY) | 26.10% | 28.91% | 15.82% | -10.03% | -20.63% | -4,673 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.22% | 2.20% | 4.02% | 3.00% | 1.67% | -55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.37% | 0.00% | 0.26% | 0.28% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.04% | 10.39% | 10.30% | 10.33% | 10.50% | -54 bps | |
| Net Worth / Assets | 11.04% | 10.39% | 10.30% | 10.33% | 10.50% | -54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.43% | 57.23% | 76.91% | 90.19% | 93.91% | +3,448 bps | |
| Liquid Assets / Assets | 37.91% | 47.08% | 23.51% | 11.21% | 7.45% | -3,046 bps | |