Columbus, OH · Charter 60910
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.28% | -0.27% | -0.10% | -0.09% | 0.10% | +38 bps | |
| Return on Equity | -3.08% | -3.03% | -1.09% | -1.03% | 1.20% | +428 bps | |
| Net Interest Margin | 2.98% | 2.88% | 2.92% | 2.70% | 2.71% | -26 bps | |
| Efficiency Ratio | 98.86% | 99.97% | 97.40% | 96.58% | 94.30% | -456 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.72% | 4.23% | 5.13% | 7.84% | 8.52% | +581 bps | |
| Loan Growth (YoY) | -1.43% | 3.25% | 6.91% | 10.61% | 3.97% | +540 bps | |
| Share Growth (YoY) | 3.26% | 4.88% | 5.81% | 8.50% | 8.93% | +568 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.02% | 0.92% | 1.05% | 1.13% | 0.75% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.11% | 1.01% | 0.96% | 0.95% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.16% | 8.81% | 9.03% | 8.53% | 8.53% | -63 bps | |
| Net Worth / Assets | 9.16% | 8.81% | 9.03% | 8.53% | 8.53% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.19% | 57.88% | 59.98% | 57.42% | 56.49% | -270 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |