Maumee, OH · Charter 68381
Q4 2007
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.03% | 0.02% | 0.01% | -0.67% | -73 bps | |
| Return on Equity | 0.60% | 0.27% | 0.17% | 0.13% | -7.03% | -763 bps | |
| Net Interest Margin | 3.17% | 2.78% | 2.85% | 2.87% | 2.88% | -30 bps | |
| Efficiency Ratio | 95.73% | 95.75% | 94.94% | 95.42% | 115.20% | +1,947 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.40% | 4.22% | 6.44% | 6.46% | 2.67% | -572 bps | |
| Loan Growth (YoY) | 1.59% | 1.56% | -1.74% | -5.53% | -5.56% | -715 bps | |
| Share Growth (YoY) | 10.13% | 5.27% | 7.02% | 7.37% | 3.72% | -641 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.69% | 1.24% | 1.58% | 1.33% | +94 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.31% | 0.32% | 0.30% | 0.33% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.45% | 9.80% | 10.01% | 10.17% | 9.51% | -94 bps | |
| Net Worth / Assets | 10.45% | 9.80% | 10.01% | 10.17% | 9.51% | -94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.28% | 78.60% | 78.96% | 79.95% | 78.56% | -772 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |