Columbus, OH · Charter 60952
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.26% | 0.27% | 0.36% | 0.22% | -6 bps | |
| Return on Equity | 2.22% | 2.05% | 2.29% | 3.08% | 1.91% | -32 bps | |
| Net Interest Margin | 3.46% | 3.44% | 3.17% | 3.31% | 3.20% | -26 bps | |
| Efficiency Ratio | 92.33% | 93.26% | 92.39% | 92.63% | 93.27% | +94 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.22% | 0.28% | 8.95% | 10.08% | 12.67% | +1,145 bps | |
| Loan Growth (YoY) | 8.00% | 6.92% | 2.12% | 3.86% | -2.23% | -1,023 bps | |
| Share Growth (YoY) | 5.64% | 5.20% | 14.32% | 11.95% | 14.89% | +924 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.43% | 0.67% | 0.76% | 0.58% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.52% | 0.56% | 0.51% | 0.54% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.63% | 12.53% | 11.60% | 11.58% | 11.46% | -118 bps | |
| Net Worth / Assets | 12.63% | 12.53% | 11.60% | 11.58% | 11.46% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.97% | 69.08% | 64.19% | 64.01% | 60.39% | -1,057 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |