Lima, OH · Charter 9845
Q3 2015
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 1.33% | 1.12% | 1.29% | 1.33% | +10 bps | |
| Return on Equity | 7.85% | 8.50% | 7.23% | 8.25% | 8.35% | +51 bps | |
| Net Interest Margin | 2.39% | 2.38% | 2.33% | 2.32% | 2.32% | -7 bps | |
| Efficiency Ratio | 68.53% | 66.49% | 70.89% | 67.71% | 67.20% | -134 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.18% | 9.83% | 9.50% | 10.00% | 8.04% | -114 bps | |
| Loan Growth (YoY) | 8.63% | 10.07% | 12.01% | 14.73% | 13.67% | +504 bps | |
| Share Growth (YoY) | 4.94% | 4.87% | 7.03% | 7.81% | 9.68% | +474 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.41% | 0.19% | 0.34% | 0.41% | +5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.27% | 0.28% | 0.28% | 0.28% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.62% | 15.69% | 15.46% | 15.64% | 15.87% | +25 bps | |
| Net Worth / Assets | 15.62% | 15.69% | 15.46% | 15.64% | 15.87% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.00% | 79.61% | 76.12% | 78.42% | 79.80% | +281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |