Elyria, OH · Charter 61008
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | -0.22% | 0.24% | 0.43% | 0.09% | +17 bps | |
| Return on Equity | -0.68% | -2.10% | 2.24% | 3.99% | 0.89% | +157 bps | |
| Net Interest Margin | 2.64% | 2.72% | 2.68% | 2.68% | 2.66% | +2 bps | |
| Efficiency Ratio | 81.88% | 80.66% | 79.58% | 77.16% | 86.85% | +497 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.33% | 4.51% | 5.67% | 4.14% | 3.40% | -393 bps | |
| Loan Growth (YoY) | 2.99% | -2.63% | -9.46% | -10.26% | -9.19% | -1,218 bps | |
| Share Growth (YoY) | 9.05% | 6.51% | 7.38% | 5.56% | 3.40% | -564 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.75% | 0.95% | 1.11% | 1.42% | 1.32% | -43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.61% | 0.75% | 0.76% | 0.83% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.71% | 10.71% | 10.66% | 10.72% | 10.47% | -24 bps | |
| Net Worth / Assets | 10.71% | 10.71% | 10.66% | 10.72% | 10.47% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.75% | 57.28% | 53.78% | 52.43% | 51.60% | -715 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |