Cleveland, OH · Charter 14784
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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 14784
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | -0.44% | -0.35% | 0.14% | -5.30% | -486 bps | |
| Return on Equity | -2.82% | -2.62% | -1.99% | 0.74% | -34.53% | -3,171 bps | |
| Net Interest Margin | 1.96% | 2.13% | 2.29% | 2.23% | 1.08% | -88 bps | |
| Efficiency Ratio | 110.86% | 109.24% | 105.44% | 93.12% | 438% | +32,710 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.12% | -12.25% | -17.68% | -21.67% | -17.98% | -1,286 bps | |
| Loan Growth (YoY) | 8.19% | -1.91% | 14.11% | 13.73% | 11.78% | +359 bps | |
| Share Growth (YoY) | -5.54% | -14.29% | -20.52% | -25.00% | -18.83% | -1,329 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.71% | 1.42% | 0.87% | 0.41% | 0.00% | -271 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 1.12% | 1.55% | 1.64% | 2.69% | +177 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.72% | 16.68% | 17.66% | 18.36% | 15.36% | -36 bps | |
| Net Worth / Assets | 15.72% | 16.68% | 17.66% | 18.36% | 15.36% | -36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.12% | 68.30% | 76.89% | 76.99% | 95.18% | +2,606 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |