Cleveland, OH · Charter 13594
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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 13594
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.37% | 1.90% | -0.73% | 0.65% | -1.98% | -535 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -19.95% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.51% | 4.43% | 4.00% | n/a | |
| Efficiency Ratio | n/a | n/a | 128.20% | 85.74% | 147.78% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -25.23% | -26.51% | -16.60% | -11.98% | -22.70% | +252 bps | |
| Loan Growth (YoY) | -43.99% | -45.79% | -47.68% | -37.19% | -20.91% | +2,308 bps | |
| Share Growth (YoY) | -28.26% | -29.35% | -17.04% | -11.80% | -21.83% | +643 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 1.41% | 1.47% | 1.33% | 2.02% | +81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.99% | 1.08% | 1.04% | 0.93% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 9.94% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 9.94% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.77% | 48.12% | 43.97% | 46.65% | 55.41% | +64 bps | |
| Liquid Assets / Assets | 38.98% | 47.67% | 49.21% | 50.70% | 46.59% | +762 bps | |