Youngstown, OH · Charter 95819
Q2 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 1.11% | 1.00% | 0.43% | 0.51% | -49 bps | |
| Return on Equity | 6.39% | 6.93% | 6.27% | 2.80% | 3.34% | -305 bps | |
| Net Interest Margin | 3.19% | 3.32% | 3.17% | 3.03% | 2.92% | -27 bps | |
| Efficiency Ratio | 72.49% | 70.58% | 72.52% | 86.79% | 81.30% | +881 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.99% | 7.61% | 7.74% | 8.18% | 7.87% | -112 bps | |
| Loan Growth (YoY) | 4.23% | 5.36% | 4.79% | 2.74% | 0.98% | -325 bps | |
| Share Growth (YoY) | 9.82% | 9.83% | 10.12% | 10.47% | 10.24% | +42 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.58% | 1.21% | 8.38% | 1.05% | 1.16% | -141 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.26% | 0.25% | 0.09% | 0.19% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.57% | 16.06% | 15.99% | 15.31% | 15.16% | -41 bps | |
| Net Worth / Assets | 15.57% | 16.06% | 15.99% | 15.31% | 15.16% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.25% | 54.06% | 52.59% | 48.84% | 47.86% | -439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |