Lyndhurst, OH · Charter 15155
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.35% | -0.78% | -0.40% | 0.56% | -1.96% | -161 bps | |
| Return on Equity | -4.11% | -9.30% | -3.98% | 5.35% | -20.71% | -1,660 bps | |
| Net Interest Margin | 3.90% | 3.69% | 4.28% | 3.12% | 0.27% | -363 bps | |
| Efficiency Ratio | 96.10% | 110.59% | 110.13% | 144.74% | 823% | +72,659 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.88% | -11.65% | -22.82% | -22.64% | -19.22% | -434 bps | |
| Loan Growth (YoY) | -22.82% | -31.03% | -21.84% | -22.20% | -48.01% | -2,519 bps | |
| Share Growth (YoY) | -15.18% | -11.72% | -24.52% | -24.27% | -19.65% | -447 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.02% | 12.45% | 2.44% | 1.89% | 11.39% | +337 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.20% | 2.59% | 1.90% | 2.47% | 4.12% | +192 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.55% | 8.35% | 10.07% | 10.37% | 9.48% | +92 bps | |
| Net Worth / Assets | 8.55% | 8.35% | 10.07% | 10.37% | 9.48% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.10% | 70.15% | 89.80% | 84.23% | 51.83% | -2,827 bps | |
| Liquid Assets / Assets | 23.01% | 32.16% | 15.29% | 21.41% | 0.00% | -2,301 bps | |