Defiance, OH · Charter 9063
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 | 1.10% | 1.09% | 0.47% | 0.21% | -0.04% | -113 bps | |
| Return on Equity | 5.49% | 5.45% | 2.50% | 1.09% | -0.18% | -567 bps | |
| Net Interest Margin | 5.64% | 5.54% | 4.49% | 4.59% | 4.45% | -119 bps | |
| Efficiency Ratio | 82.57% | 82.54% | 91.47% | 96.32% | 100.63% | +1,806 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.11% | 4.35% | 3.39% | 1.43% | 1.79% | +590 bps | |
| Loan Growth (YoY) | -4.03% | -9.81% | -12.60% | -18.15% | -19.85% | -1,581 bps | |
| Share Growth (YoY) | -5.73% | 4.02% | 3.21% | 0.93% | 2.18% | +791 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.48% | 1.72% | 0.93% | 1.08% | 1.95% | +47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.92% | 2.08% | 2.31% | 2.26% | 2.40% | +49 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.98% | 19.98% | 18.92% | 19.49% | 19.78% | -20 bps | |
| Net Worth / Assets | 19.98% | 19.98% | 18.92% | 19.49% | 19.78% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.88% | 60.47% | 51.94% | 52.69% | 50.89% | -1,399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |