Maple Heights, OH · Charter 63733
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.41% | -6.81% | -16.01% | 0.50% | -0.22% | +319 bps | |
| Return on Equity | -31.70% | -87.79% | -411% | 11.60% | -4.01% | +2,769 bps | |
| Net Interest Margin | 6.69% | 7.07% | 7.79% | 8.44% | 9.59% | +290 bps | |
| Efficiency Ratio | 85.62% | 76.81% | 74.63% | 80.97% | 90.45% | +483 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.16% | 3.66% | -5.40% | -15.70% | -38.25% | -3,809 bps | |
| Loan Growth (YoY) | -5.32% | -3.38% | -2.87% | -14.71% | -32.32% | -2,701 bps | |
| Share Growth (YoY) | 1.08% | 10.17% | 4.95% | -7.22% | -34.41% | -3,549 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.61% | 9.84% | 13.65% | 10.88% | 26.31% | +870 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.99% | 0.74% | 7.05% | 5.66% | 7.88% | +488 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.75% | 7.76% | 3.89% | 4.33% | 5.47% | -528 bps | |
| Net Worth / Assets | 10.75% | 7.76% | 3.89% | 4.33% | 5.47% | -528 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.34% | 84.65% | 85.98% | 80.37% | 84.96% | +262 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |