Bath, OH · Charter 96653
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 | 0.69% | 0.76% | 0.81% | 0.76% | 0.82% | +14 bps | |
| Return on Equity | 6.46% | 6.62% | 6.75% | 6.42% | 6.81% | +34 bps | |
| Net Interest Margin | 4.28% | 4.54% | 4.42% | 4.30% | 4.37% | +10 bps | |
| Efficiency Ratio | 87.94% | 87.50% | 86.12% | 86.69% | 85.71% | -223 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -6.52% | -5.74% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -9.00% | -9.48% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -8.00% | -7.37% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.46% | 1.84% | 1.73% | 1.21% | 1.40% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.89% | 2.18% | 2.40% | 2.50% | 2.65% | +76 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.63% | 11.47% | 11.98% | 11.83% | 12.11% | +148 bps | |
| Net Worth / Assets | 10.63% | 11.47% | 11.98% | 11.83% | 12.11% | +148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.62% | 60.24% | 59.58% | 56.91% | 56.31% | -132 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |