Akron, OH · Charter 63288
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 | -2.22% | -2.00% | -1.91% | -2.20% | -2.09% | +14 bps | |
| Return on Equity | -16.26% | -13.49% | -11.75% | -14.47% | -12.04% | +423 bps | |
| Net Interest Margin | 4.56% | 5.19% | 5.83% | 5.18% | 6.52% | +196 bps | |
| Efficiency Ratio | 147.93% | 137.75% | 132.16% | 141.73% | 131.32% | -1,662 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.52% | 2.82% | -5.20% | -3.42% | -28.74% | -3,426 bps | |
| Loan Growth (YoY) | 13.16% | 38.57% | 21.93% | -5.98% | -12.11% | -2,527 bps | |
| Share Growth (YoY) | 9.47% | 6.07% | -3.95% | -1.97% | -31.61% | -4,108 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.89% | 0.00% | 0.00% | 2.43% | 2.05% | -83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.79% | 0.87% | 0.97% | 0.96% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.67% | 14.82% | 16.29% | 15.19% | 17.32% | +365 bps | |
| Net Worth / Assets | 13.67% | 14.82% | 16.29% | 15.19% | 17.32% | +365 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.17% | 92.29% | 94.57% | 80.81% | 99.16% | +2,200 bps | |
| Liquid Assets / Assets | 31.19% | 19.53% | 18.14% | 29.14% | 15.63% | -1,555 bps | |