Marysville, OH · Charter 63616
Q1 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.17% | -0.01% | -0.05% | 0.01% | -13 bps | |
| Return on Equity | 1.55% | 1.83% | -0.05% | -0.53% | 0.09% | -146 bps | |
| Net Interest Margin | 2.50% | 2.70% | 2.79% | 2.68% | 2.42% | -8 bps | |
| Efficiency Ratio | 95.52% | 95.17% | 97.80% | 100.07% | 99.76% | +424 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.81% | 4.72% | 2.26% | -0.02% | 0.57% | -725 bps | |
| Loan Growth (YoY) | -0.20% | 0.19% | -0.35% | 2.57% | 0.74% | +94 bps | |
| Share Growth (YoY) | 8.93% | 5.44% | 2.50% | 0.05% | 1.14% | -779 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.99% | 2.32% | 0.59% | 1.53% | 0.44% | -156 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.37% | 0.47% | 0.33% | 0.33% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.86% | 9.21% | 9.31% | 9.35% | 8.73% | -13 bps | |
| Net Worth / Assets | 8.86% | 9.21% | 9.31% | 9.35% | 8.73% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.23% | 42.86% | 43.70% | 44.86% | 41.07% | -17 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |