Marion, OH · Charter 7175
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Marion, OH · Charter 7175
Q4 1996
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.97% | 4.75% | 4.79% | 5.12% | 4.70% | -27 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -32.37% | -36.94% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -3.26% | -23.65% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -47.57% | -56.82% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 1.73% | 0.87% | 1.17% | 1.85% | +150 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 1.80% | 2.07% | 1.93% | 3.71% | +178 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.31% | 138.84% | 128.87% | 142.00% | 168.51% | +7,320 bps | |
| Liquid Assets / Assets | 11.50% | 4.46% | 4.64% | 8.38% | 2.45% | -906 bps | |