Strongsville, OH · Charter 68364
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.10% | -1.93% | -0.51% | -0.34% | -43 bps | |
| Return on Equity | 0.64% | 0.67% | -15.29% | -4.03% | -2.65% | -329 bps | |
| Net Interest Margin | 3.25% | 3.23% | 2.79% | 2.96% | 3.00% | -24 bps | |
| Efficiency Ratio | 99.00% | 98.53% | 100.45% | 83.13% | 87.97% | -1,104 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.15% | 0.10% | 4.77% | 7.26% | 10.50% | +634 bps | |
| Loan Growth (YoY) | -0.01% | -1.59% | 5.84% | 7.79% | 6.88% | +689 bps | |
| Share Growth (YoY) | 4.90% | 0.10% | 6.02% | 8.53% | 12.41% | +751 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.13% | 0.46% | 2.46% | 2.37% | +199 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.41% | 0.32% | 0.44% | 0.24% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.32% | 14.47% | 12.63% | 12.75% | 12.73% | -159 bps | |
| Net Worth / Assets | 14.32% | 14.47% | 12.63% | 12.75% | 12.73% | -159 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.58% | 64.71% | 58.95% | 59.56% | 63.30% | -328 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |