Euclid, OH · Charter 1193
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Euclid, OH · Charter 1193
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.78% | 0.88% | 0.90% | 0.83% | +8 bps | |
| Return on Equity | 5.46% | 5.65% | 6.44% | 6.40% | 5.74% | +28 bps | |
| Net Interest Margin | 2.52% | 2.47% | 2.31% | 2.36% | 2.32% | -20 bps | |
| Efficiency Ratio | 68.52% | 69.59% | 66.06% | 68.86% | 71.63% | +311 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.55% | 8.07% | 8.11% | 4.53% | 1.62% | -593 bps | |
| Loan Growth (YoY) | -10.10% | -7.12% | 4.55% | -4.83% | -5.75% | +435 bps | |
| Share Growth (YoY) | 7.15% | 8.11% | 8.53% | 4.36% | 0.78% | -637 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 2.73% | 2.32% | 2.34% | 2.50% | +56 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.04% | 2.07% | 2.49% | 2.55% | 2.57% | +53 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.72% | 13.74% | 13.60% | 14.05% | 14.41% | +68 bps | |
| Net Worth / Assets | 13.72% | 13.74% | 13.60% | 14.05% | 14.41% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 16.17% | 15.86% | 14.99% | 14.98% | 15.12% | -105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |