Cincinnati, OH · Charter 63515
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.22% | -0.20% | 0.02% | -0.06% | -0.57% | -36 bps | |
| Return on Equity | -1.88% | -1.72% | 0.15% | -0.63% | -6.05% | -417 bps | |
| Net Interest Margin | 3.36% | 3.44% | 3.30% | 3.11% | 2.96% | -41 bps | |
| Efficiency Ratio | 98.36% | 98.89% | 95.10% | 101.57% | 108.24% | +988 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.62% | 2.88% | 12.02% | 14.96% | 19.34% | +1,472 bps | |
| Loan Growth (YoY) | -2.46% | -0.06% | -4.93% | 1.40% | 2.02% | +448 bps | |
| Share Growth (YoY) | 5.40% | 3.40% | 13.77% | 17.00% | 22.12% | +1,672 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.58% | 0.18% | 0.36% | 0.37% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.63% | 0.58% | 0.62% | 0.71% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.52% | 11.70% | 11.12% | 10.18% | 9.47% | -205 bps | |
| Net Worth / Assets | 11.52% | 11.70% | 11.12% | 10.18% | 9.47% | -205 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.02% | 49.80% | 46.52% | 42.24% | 40.12% | -791 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |