Hamilton, OH · Charter 63046
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.94% | 1.16% | 1.13% | 0.49% | -6 bps | |
| Return on Equity | 3.18% | 5.78% | 6.92% | 7.22% | 3.03% | -15 bps | |
| Net Interest Margin | 4.89% | 4.72% | 4.90% | 4.48% | 4.08% | -82 bps | |
| Efficiency Ratio | 84.16% | 79.87% | 76.74% | 75.88% | 87.85% | +368 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.01% | 2.56% | 2.86% | 14.60% | 9.86% | +1,087 bps | |
| Loan Growth (YoY) | 4.87% | -7.68% | -21.26% | -27.32% | -25.92% | -3,079 bps | |
| Share Growth (YoY) | -1.95% | 2.11% | 2.30% | 16.52% | 11.42% | +1,337 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.38% | 2.11% | 1.96% | 2.25% | 3.72% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 1.07% | 0.87% | 1.28% | 0.74% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.26% | 16.27% | 16.76% | 15.64% | 16.20% | -106 bps | |
| Net Worth / Assets | 17.26% | 16.27% | 16.76% | 15.64% | 16.20% | -106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.67% | 74.06% | 70.10% | 57.79% | 58.96% | -2,971 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |