Cincinnati, OH · Charter 9588
Q3 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.01% | 0.65% | 0.88% | 0.87% | +18 bps | |
| Return on Equity | 3.68% | 0.05% | 3.88% | 5.21% | 5.21% | +152 bps | |
| Net Interest Margin | 2.79% | 2.71% | 2.55% | 2.60% | 2.55% | -25 bps | |
| Efficiency Ratio | 71.52% | 93.76% | 77.08% | 68.46% | 67.53% | -399 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.98% | 6.53% | 10.68% | 12.52% | 12.83% | +885 bps | |
| Loan Growth (YoY) | 5.55% | 3.86% | 3.19% | 1.66% | 3.30% | -225 bps | |
| Share Growth (YoY) | 5.17% | 10.25% | 14.08% | 15.22% | 15.64% | +1,047 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.67% | 0.68% | 0.86% | 0.91% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.37% | 0.34% | 0.35% | 0.34% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.59% | 17.51% | 16.79% | 16.90% | 16.68% | -191 bps | |
| Net Worth / Assets | 18.59% | 17.51% | 16.79% | 16.90% | 16.68% | -191 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.74% | 88.05% | 82.60% | 82.42% | 81.95% | -979 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |