Maple Heights, OH · Charter 63175
Q2 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -0.35% | -0.17% | -1.31% | -2.09% | -177 bps | |
| Return on Equity | -2.30% | -2.38% | -1.22% | -9.96% | -18.05% | -1,575 bps | |
| Net Interest Margin | 3.88% | 4.10% | 3.83% | 4.06% | 3.81% | -7 bps | |
| Efficiency Ratio | 108.30% | 108.65% | 104.37% | 132.36% | 120.34% | +1,204 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.82% | -4.67% | 8.77% | 9.12% | 10.60% | +2,442 bps | |
| Loan Growth (YoY) | 4.76% | -30.02% | -3.46% | 7.33% | -13.10% | -1,786 bps | |
| Share Growth (YoY) | -15.75% | -5.24% | 10.59% | 11.27% | 13.77% | +2,951 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 0.00% | 0.00% | 0.00% | 0.00% | -117 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.47% | 1.51% | 1.17% | 1.26% | 3.79% | +132 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.99% | 14.93% | 13.74% | 13.18% | 11.59% | -240 bps | |
| Net Worth / Assets | 13.99% | 14.93% | 13.74% | 13.18% | 11.59% | -240 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.03% | 41.12% | 47.83% | 43.21% | 32.87% | -1,016 bps | |
| Liquid Assets / Assets | 62.05% | 63.64% | 57.35% | 60.97% | 70.36% | +832 bps | |