New Lexington, OH · Charter 61531
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 0.31% | 0.66% | 0.19% | 0.23% | -103 bps | |
| Return on Equity | 4.74% | 0.93% | 1.92% | 0.52% | 0.63% | -411 bps | |
| Net Interest Margin | 4.01% | 4.35% | 4.70% | 4.13% | 3.98% | -3 bps | |
| Efficiency Ratio | 69.37% | 93.16% | 85.90% | 95.37% | 94.12% | +2,474 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.07% | -14.23% | -19.70% | -22.83% | -28.17% | -3,924 bps | |
| Loan Growth (YoY) | -12.10% | -21.50% | -37.72% | -39.30% | -48.32% | -3,622 bps | |
| Share Growth (YoY) | 13.74% | -20.79% | -27.89% | -31.90% | -38.19% | -5,192 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 8.83% | 22.09% | 37.80% | +3,780 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.95% | 2.31% | 3.36% | 3.29% | 3.77% | +182 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.70% | 33.06% | 34.54% | 36.47% | 37.11% | +1,041 bps | |
| Net Worth / Assets | 26.70% | 33.06% | 34.54% | 36.47% | 37.11% | +1,041 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.81% | 97.31% | 71.08% | 79.63% | 70.91% | -1,390 bps | |
| Liquid Assets / Assets | 38.43% | 35.52% | 54.27% | 50.51% | 56.33% | +1,791 bps | |