Cleveland, OH · Charter 1279
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Cleveland, OH · Charter 1279
Q2 2008
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.33% | 1.41% | 1.50% | 0.50% | -0.74% | -208 bps | |
| Return on Equity | 14.15% | 14.65% | 14.21% | 5.32% | -8.34% | -2,249 bps | |
| Net Interest Margin | 4.88% | 4.78% | 5.04% | 3.74% | 3.70% | -119 bps | |
| Efficiency Ratio | 77.91% | 76.15% | 75.91% | 89.24% | 115.88% | +3,798 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.15% | -4.34% | -6.82% | 9.50% | 9.88% | +1,503 bps | |
| Loan Growth (YoY) | -7.48% | -19.63% | -20.65% | -21.59% | -18.04% | -1,057 bps | |
| Share Growth (YoY) | -6.99% | -4.47% | -1.15% | 9.08% | 10.52% | +1,752 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.19% | 0.49% | 0.15% | 0.44% | 0.30% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 1.18% | 1.35% | 1.43% | 1.27% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.42% | 9.59% | 10.54% | 9.41% | 8.91% | -51 bps | |
| Net Worth / Assets | 9.42% | 9.59% | 10.54% | 9.41% | 8.91% | -51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.85% | 76.14% | 77.14% | 60.74% | 59.96% | -2,090 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |