Athens, OH · Charter 60869
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.43% | -0.20% | -0.19% | -0.19% | -8.13% | -770 bps | |
| Return on Equity | -3.26% | -1.45% | -1.35% | -1.46% | -90.83% | -8,757 bps | |
| Net Interest Margin | 4.59% | 4.78% | 4.93% | 4.50% | 4.68% | +9 bps | |
| Efficiency Ratio | 99.77% | 98.34% | 97.81% | 102.87% | 147.23% | +4,746 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.51% | -10.47% | -5.50% | -2.31% | -7.34% | +317 bps | |
| Loan Growth (YoY) | -9.21% | -9.40% | -13.14% | -13.20% | -14.92% | -571 bps | |
| Share Growth (YoY) | -11.54% | -9.91% | -3.98% | -1.92% | -4.52% | +702 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.92% | 2.96% | 3.59% | 3.45% | 3.32% | +140 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.80% | 0.60% | 0.57% | 4.71% | +398 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.17% | 13.78% | 14.19% | 12.88% | 8.95% | -421 bps | |
| Net Worth / Assets | 13.17% | 13.78% | 14.19% | 12.88% | 8.95% | -421 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.44% | 58.36% | 57.27% | 53.22% | 50.30% | -614 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |