Cincinnati, OH · Charter 9211
Q2 2007
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 0.57% | 0.28% | -0.41% | 0.11% | -91 bps | |
| Return on Equity | 14.41% | 7.37% | 3.53% | -5.22% | 1.36% | -1,305 bps | |
| Net Interest Margin | 3.58% | 3.80% | 4.00% | 3.38% | 3.31% | -27 bps | |
| Efficiency Ratio | 75.23% | 85.08% | 79.77% | 111.00% | 97.12% | +2,189 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.42% | -4.74% | -14.42% | -13.82% | -13.76% | -1,234 bps | |
| Loan Growth (YoY) | 25.99% | 6.91% | -10.07% | -15.99% | -27.35% | -5,334 bps | |
| Share Growth (YoY) | -2.47% | -6.54% | -12.88% | -14.69% | -14.43% | -1,196 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.94% | 11.66% | 16.83% | 21.51% | 22.68% | +1,074 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.06% | 2.42% | 2.89% | 3.36% | 3.98% | +192 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.10% | 7.79% | 8.01% | 7.84% | 7.97% | +87 bps | |
| Net Worth / Assets | 7.10% | 7.79% | 8.01% | 7.84% | 7.97% | +87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.99% | 67.54% | 68.25% | 61.49% | 54.33% | -966 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |