Youngstown, OH · Charter 61794
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.26% | 0.23% | 0.20% | 0.18% | -21 bps | |
| Return on Equity | 4.94% | 3.19% | 2.84% | 2.53% | 2.29% | -265 bps | |
| Net Interest Margin | 3.69% | 3.52% | 3.45% | 3.35% | 3.28% | -40 bps | |
| Efficiency Ratio | 89.58% | 92.63% | 93.26% | 93.89% | 94.63% | +505 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.93% | -5.52% | -0.77% | 0.38% | 1.94% | +487 bps | |
| Loan Growth (YoY) | -7.28% | -13.08% | -13.24% | -7.95% | -21.10% | -1,382 bps | |
| Share Growth (YoY) | -3.38% | -6.09% | -1.07% | 0.28% | 1.93% | +530 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.15% | 3.44% | 3.37% | 1.81% | 1.77% | -138 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.67% | 0.67% | 0.72% | 0.75% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.03% | 7.99% | 8.04% | 8.08% | 8.03% | 0 bps | |
| Net Worth / Assets | 8.03% | 7.99% | 8.04% | 8.08% | 8.03% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.26% | 50.62% | 50.33% | 47.42% | 44.32% | -1,294 bps | |
| Liquid Assets / Assets | 42.82% | 51.42% | 51.63% | 33.96% | 56.96% | +1,415 bps | |