Elyria, OH · Charter 6402
Q3 2008
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.28% | -1.20% | 0.59% | 0.52% | 0.77% | +305 bps | |
| Return on Equity | -10.74% | -5.39% | 2.86% | 2.50% | 3.33% | +1,407 bps | |
| Net Interest Margin | 5.52% | 5.78% | 4.20% | 4.14% | 4.35% | -117 bps | |
| Efficiency Ratio | 69.74% | 68.41% | 86.79% | 88.17% | 83.35% | +1,361 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.19% | -9.72% | -3.13% | 2.18% | -4.54% | +564 bps | |
| Loan Growth (YoY) | -7.29% | -9.32% | -14.26% | -17.42% | -16.13% | -884 bps | |
| Share Growth (YoY) | -11.11% | -10.71% | -3.77% | 3.80% | -6.76% | +435 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.46% | 8.07% | 3.97% | 8.07% | 5.79% | -167 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.37% | 2.68% | 2.80% | 3.37% | 3.41% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.23% | 22.20% | 20.82% | 20.72% | 23.11% | +188 bps | |
| Net Worth / Assets | 21.23% | 22.20% | 20.82% | 20.72% | 23.11% | +188 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.61% | 94.04% | 81.86% | 75.23% | 82.40% | -921 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |