Columbus, OH · Charter 63495
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Columbus, OH · Charter 63495
Q4 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | 0.01% | 0.65% | 0.36% | -0.17% | -18 bps | |
| Return on Equity | 0.10% | 0.07% | 5.45% | 3.08% | -1.36% | -146 bps | |
| Net Interest Margin | 2.19% | 2.48% | 2.08% | 2.12% | 1.98% | -22 bps | |
| Efficiency Ratio | 99.56% | 99.72% | 80.30% | 87.78% | 106.14% | +658 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.54% | -16.42% | -18.82% | -14.23% | -16.98% | -944 bps | |
| Loan Growth (YoY) | -15.52% | -12.31% | -5.79% | -5.51% | -11.38% | +414 bps | |
| Share Growth (YoY) | -8.47% | -18.07% | -21.35% | -16.17% | -19.47% | -1,101 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.20% | 3.22% | 2.00% | 1.94% | 2.09% | -111 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.24% | 10.72% | 12.00% | 11.81% | 12.17% | +193 bps | |
| Net Worth / Assets | 10.24% | 10.72% | 12.00% | 11.81% | 12.17% | +193 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.66% | 42.22% | 43.64% | 44.25% | 44.75% | +409 bps | |
| Liquid Assets / Assets | 61.99% | 60.49% | 59.70% | 58.78% | 59.05% | -294 bps | |