Waterville, OH · Charter 6608
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.90% | -0.95% | -0.60% | -0.58% | 0.53% | +143 bps | |
| Return on Equity | -6.54% | -7.02% | -4.41% | -4.39% | 3.75% | +1,029 bps | |
| Net Interest Margin | 2.68% | 2.72% | 2.76% | 2.83% | 2.89% | +21 bps | |
| Efficiency Ratio | 137.77% | 138.52% | 131.43% | 124.08% | 112.47% | -2,530 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.60% | -1.30% | -4.16% | -1.30% | -2.98% | -237 bps | |
| Loan Growth (YoY) | -6.97% | 3.67% | 18.22% | 17.89% | 6.01% | +1,298 bps | |
| Share Growth (YoY) | 3.04% | -1.19% | -3.90% | -0.30% | -3.64% | -668 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.08% | 1.96% | 1.76% | 1.80% | 0.44% | -163 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.72% | 13.51% | 13.52% | 13.27% | 14.26% | +54 bps | |
| Net Worth / Assets | 13.72% | 13.51% | 13.52% | 13.27% | 14.26% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.18% | 47.27% | 49.04% | 49.58% | 50.80% | +463 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |