Wickliffe, OH · Charter 5802
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 0.26% | 0.29% | 0.82% | -5.09% | -627 bps | |
| Return on Equity | n/a | n/a | n/a | 2.87% | -19.90% | n/a | |
| Net Interest Margin | n/a | 4.70% | 4.30% | 4.56% | 2.10% | n/a | |
| Efficiency Ratio | n/a | 94.69% | 93.45% | 82.52% | 312% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -8.36% | -8.38% | -2.37% | -1.50% | -1.22% | +714 bps | |
| Loan Growth (YoY) | -15.97% | -22.20% | -20.06% | -4.53% | -0.16% | +1,582 bps | |
| Share Growth (YoY) | -13.32% | -12.17% | -3.91% | -3.83% | -0.68% | +1,264 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 3.67% | 1.34% | 0.28% | 0.50% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 3.11% | 2.00% | 0.18% | 0.12% | -100 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 28.58% | 25.59% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 28.58% | 25.59% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.57% | 62.35% | 58.99% | 68.26% | 63.91% | +33 bps | |
| Liquid Assets / Assets | 51.28% | 47.74% | 53.38% | 48.13% | 51.02% | -26 bps | |