Springfield, OH · Charter 62535
Q2 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.24% | -0.75% | -3.05% | -1.51% | -179 bps | |
| Return on Equity | 3.85% | 3.09% | -10.48% | -47.39% | -22.87% | -2,672 bps | |
| Net Interest Margin | 4.42% | 4.54% | 4.67% | 4.53% | 4.97% | +55 bps | |
| Efficiency Ratio | 92.18% | 90.45% | 91.01% | 94.63% | 97.02% | +484 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.73% | -6.24% | -7.69% | -8.17% | -11.04% | -531 bps | |
| Loan Growth (YoY) | -8.56% | -8.83% | -10.37% | -2.42% | 3.55% | +1,212 bps | |
| Share Growth (YoY) | -6.40% | -6.45% | -7.19% | -7.36% | -10.61% | -422 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.35% | 3.05% | 1.00% | 2.04% | 0.52% | -184 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.80% | 1.51% | 2.45% | 1.06% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.36% | 7.78% | 7.17% | 6.44% | 6.59% | -77 bps | |
| Net Worth / Assets | 7.36% | 7.78% | 7.17% | 6.44% | 6.59% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.04% | 67.45% | 68.78% | 73.85% | 77.66% | +1,062 bps | |
| Liquid Assets / Assets | 16.93% | 16.09% | 11.05% | 7.50% | 10.81% | -612 bps | |