Cleveland, OH · Charter 13657
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.
Cleveland, OH · Charter 13657
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 | 0.03% | 0.07% | 0.08% | 0.20% | -9.60% | -963 bps | |
| Return on Equity | 0.21% | 0.43% | 0.46% | 1.19% | -108.76% | -10,897 bps | |
| Net Interest Margin | 2.95% | 3.15% | 2.96% | 3.03% | -7.94% | -1,089 bps | |
| Efficiency Ratio | 98.96% | 97.90% | 97.66% | 94.03% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.90% | -3.73% | -9.17% | -5.01% | -1.54% | -545 bps | |
| Loan Growth (YoY) | -14.62% | -7.43% | -6.62% | -8.36% | -12.87% | +175 bps | |
| Share Growth (YoY) | 4.52% | -4.52% | -10.98% | -5.95% | 6.49% | +198 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.41% | 0.00% | 0.00% | 1.87% | 1.19% | -122 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.59% | 4.36% | 4.20% | 4.37% | 2.44% | -215 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.73% | 17.03% | 16.94% | 16.69% | 8.83% | -691 bps | |
| Net Worth / Assets | 15.73% | 17.03% | 16.94% | 16.69% | 8.83% | -691 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.77% | 75.10% | 75.38% | 70.91% | 57.08% | -1,269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |