Elyria, OH · Charter 62213
Q1 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.82% | 0.51% | 0.27% | 0.62% | -28 bps | |
| Return on Equity | 3.20% | 2.92% | 1.84% | 0.96% | 2.24% | -96 bps | |
| Net Interest Margin | 3.26% | 3.16% | 3.09% | 3.06% | 2.69% | -57 bps | |
| Efficiency Ratio | 72.43% | 74.01% | 83.52% | 90.93% | 76.88% | +446 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.16% | -2.91% | -3.08% | 0.47% | 2.64% | +280 bps | |
| Loan Growth (YoY) | -10.11% | -8.39% | -9.61% | -17.44% | -6.94% | +317 bps | |
| Share Growth (YoY) | -0.99% | -4.75% | -5.05% | -0.06% | 3.16% | +414 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 1.33% | 1.72% | 1.38% | 1.42% | +45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 1.01% | 0.97% | 1.03% | 1.01% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.12% | 28.19% | 27.76% | 28.02% | 27.77% | -35 bps | |
| Net Worth / Assets | 28.12% | 28.19% | 27.76% | 28.02% | 27.77% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.51% | 52.35% | 51.72% | 49.20% | 49.18% | -533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |