Geneva, OH · Charter 96716
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 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | 0.26% | 0.85% | 1.20% | -0.42% | n/a | |
| Return on Equity | 2.53% | 6.98% | 9.75% | -3.40% | n/a | |
| Net Interest Margin | 2.64% | 3.26% | 3.42% | 2.10% | n/a | |
| Efficiency Ratio | 85.16% | 71.43% | 59.71% | 101.84% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Delinquent Loans / Loans | 0.48% | 0.34% | 1.51% | 0.45% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.77% | 0.90% | 0.18% | n/a | |
| Capital | ||||||
| Risk-Based Capital | 10.45% | 12.24% | 12.32% | 12.36% | n/a | |
| Net Worth / Assets | 10.45% | 12.24% | 12.32% | 12.36% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Shares | 48.90% | 55.34% | 54.35% | 56.48% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |