Ashtabula, OH · Charter 60977
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ashtabula, OH · Charter 60977
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.88% | 3.77% | 3.50% | 3.73% | 2.86% | -102 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 2.11% | -2.82% | -7.88% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 0.99% | -8.51% | -17.46% | n/a | |
| Share Growth (YoY) | n/a | n/a | -0.13% | -4.71% | -9.75% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 3.17% | 3.28% | 4.01% | 3.86% | +276 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.91% | 1.24% | 1.61% | 1.64% | +115 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.37% | 71.46% | 61.88% | 64.19% | 63.44% | -593 bps | |
| Liquid Assets / Assets | 31.62% | 33.02% | 31.04% | 30.86% | 38.74% | +712 bps | |