Mentor, OH · Charter 13263
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Mentor, OH · Charter 13263
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.03% | -1.41% | -2.65% | -3.65% | -15.55% | -1,352 bps | |
| Return on Equity | -28.56% | -20.24% | -45.30% | -53.00% | -349% | -32,080 bps | |
| Net Interest Margin | 1.98% | 2.51% | 2.84% | 3.66% | 3.71% | +174 bps | |
| Efficiency Ratio | 195.91% | 153.12% | 169.22% | 160.15% | 479% | +28,309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 146.95% | 149.21% | -1.86% | -27.31% | -40.32% | -18,727 bps | |
| Loan Growth (YoY) | -12.24% | 3.00% | 2.49% | 5.60% | -1.97% | +1,027 bps | |
| Share Growth (YoY) | 190.66% | 193.07% | 0.72% | -25.94% | -38.46% | -22,912 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.16% | 5.08% | 6.78% | 6.39% | 6.78% | +262 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.86% | 2.49% | 1.15% | 1.64% | +68 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.11% | 6.96% | 5.84% | 6.89% | 4.45% | -266 bps | |
| Net Worth / Assets | 7.11% | 6.96% | 5.84% | 6.89% | 4.45% | -266 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.45% | 27.53% | 27.95% | 36.79% | 38.95% | +1,450 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |