Cincinnati, OH · Charter 63160
Q1 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.13% | 0.18% | 0.13% | 0.45% | +20 bps | |
| Return on Equity | 2.05% | 1.08% | 1.56% | 1.11% | 3.64% | +159 bps | |
| Net Interest Margin | 1.21% | 0.98% | 1.03% | 0.97% | 1.17% | -4 bps | |
| Efficiency Ratio | 73.74% | 80.35% | 76.02% | 79.65% | 55.92% | -1,783 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.47% | 1.32% | 3.46% | 1.95% | -0.39% | -86 bps | |
| Loan Growth (YoY) | -1.71% | 5.61% | 3.80% | 3.15% | -6.36% | -464 bps | |
| Share Growth (YoY) | 0.37% | 1.49% | 3.77% | 2.00% | -0.56% | -94 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.03% | 3.92% | 4.66% | 3.59% | 2.58% | -145 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.61% | 2.60% | 2.69% | 1.78% | 2.02% | -59 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.12% | 11.90% | 11.75% | 12.00% | 12.23% | +11 bps | |
| Net Worth / Assets | 12.12% | 11.90% | 11.75% | 12.00% | 12.23% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.81% | 20.27% | 19.87% | 19.90% | 18.66% | -115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |