Columbus, OH · Charter 63522
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | -0.08% | -0.63% | -0.13% | 0.47% | +27 bps | |
| Return on Equity | 1.79% | -0.75% | -6.44% | -1.25% | 4.06% | +227 bps | |
| Net Interest Margin | 1.99% | 1.78% | 1.31% | 1.81% | 2.66% | +66 bps | |
| Efficiency Ratio | 92.05% | 103.41% | 133.54% | 105.50% | 85.49% | -656 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.01% | -10.47% | -5.23% | -2.13% | -2.98% | +1,403 bps | |
| Loan Growth (YoY) | -14.62% | -23.94% | 59.17% | 103.31% | 204% | +21,816 bps | |
| Share Growth (YoY) | -19.45% | -12.07% | -5.76% | -1.71% | -3.13% | +1,633 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 29.49% | 34.78% | 19.21% | 12.64% | 7.30% | -2,219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 64.24% | 74.26% | 45.62% | 32.76% | 22.81% | -4,144 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.45% | 11.02% | 9.77% | 10.32% | 11.69% | +24 bps | |
| Net Worth / Assets | 11.45% | 11.02% | 9.77% | 10.32% | 11.69% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.47% | 11.38% | 17.42% | 26.46% | 42.22% | +2,874 bps | |
| Liquid Assets / Assets | 92.80% | 94.93% | 88.99% | 81.88% | 68.56% | -2,425 bps | |