Bedford Hts, OH · Charter 96681
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.63% | -1.08% | -0.79% | -0.62% | 0.00% | +63 bps | |
| Return on Equity | -6.21% | -10.68% | -7.22% | -5.45% | 0.03% | +624 bps | |
| Net Interest Margin | 4.23% | 4.15% | 4.68% | 4.96% | 5.38% | +115 bps | |
| Efficiency Ratio | 114.17% | 125.16% | 116.17% | 111.86% | 99.93% | -1,424 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -4.21% | -8.54% | -12.72% | -21.24% | n/a | |
| Loan Growth (YoY) | n/a | -21.59% | 47.65% | 32.69% | 32.01% | n/a | |
| Share Growth (YoY) | n/a | -3.46% | -8.48% | -13.44% | -23.14% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.84% | 9.53% | 6.50% | 5.12% | 6.05% | -278 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.88% | 4.20% | 2.70% | 1.77% | 1.83% | -205 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.08% | 10.13% | 10.95% | 11.32% | 12.31% | +223 bps | |
| Net Worth / Assets | 10.08% | 10.13% | 10.95% | 11.32% | 12.31% | +223 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.26% | 52.17% | 88.61% | 87.60% | 93.18% | +3,893 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |