Cincinnati, OH · Charter 62821
Q3 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.10% | 1.47% | 0.69% | 0.69% | +31 bps | |
| Return on Equity | 3.45% | 0.88% | 12.55% | 6.30% | 6.20% | +275 bps | |
| Net Interest Margin | 4.43% | 4.59% | 4.53% | 4.00% | 4.00% | -44 bps | |
| Efficiency Ratio | 87.98% | 90.13% | 77.02% | 78.75% | 81.91% | -608 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.03% | 1.29% | 0.69% | 2.22% | 3.39% | -864 bps | |
| Loan Growth (YoY) | -4.90% | -11.54% | -14.75% | -14.06% | -10.95% | -605 bps | |
| Share Growth (YoY) | 6.67% | 2.36% | 1.57% | 2.10% | 3.30% | -337 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.38% | 6.95% | 7.01% | 8.55% | 9.70% | +332 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.81% | 2.48% | 2.57% | 3.25% | 3.24% | +142 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.16% | 11.86% | 11.70% | 10.98% | 11.13% | -3 bps | |
| Net Worth / Assets | 11.16% | 11.86% | 11.70% | 10.98% | 11.13% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.40% | 56.53% | 52.17% | 48.42% | 48.62% | -778 bps | |
| Liquid Assets / Assets | 48.10% | 48.77% | 52.15% | 54.73% | 54.63% | +654 bps | |