Columbus, OH · Charter 61530
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Columbus, OH · Charter 61530
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.65% | 2.74% | 0.49% | 0.24% | 0.23% | -142 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) | 2.99% | -28.95% | -65.62% | -64.73% | -66.80% | -6,979 bps | |
| Loan Growth (YoY) | -22.40% | -9.73% | -58.22% | -53.25% | -50.62% | -2,822 bps | |
| Share Growth (YoY) | 4.53% | -38.64% | -84.44% | -83.85% | -85.07% | -8,960 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 6.93% | 0.00% | 12.95% | 12.95% | +1,295 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.74% | 1.89% | 3.53% | 3.53% | 3.53% | +179 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 | 43.29% | 76.71% | 143.15% | 143.15% | 143.15% | +9,987 bps | |
| Liquid Assets / Assets | 34.91% | 29.43% | 32.30% | 32.30% | 32.30% | -260 bps | |