Lakewood, OH · Charter 61915
Q4 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.67% | 4.03% | 4.27% | 3.85% | 4.16% | -51 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 | -6.34% | -8.07% | -3.50% | -1.50% | n/a | |
| Loan Growth (YoY) | n/a | 25.71% | 28.17% | -18.02% | -26.89% | n/a | |
| Share Growth (YoY) | n/a | -8.38% | -9.95% | -4.67% | -2.15% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.04% | 4.03% | 1.74% | 4.15% | 2.21% | -1,182 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.78% | 2.84% | 2.88% | 3.39% | 4.09% | +131 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 | 48.94% | 47.50% | 48.33% | 41.02% | 36.56% | -1,237 bps | |
| Liquid Assets / Assets | 26.81% | 28.70% | 24.81% | 25.75% | 38.83% | +1,202 bps | |