Cleveland, OH · Charter 15446
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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 15446
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | -0.78% | 0.18% | -1.99% | -1.19% | -162 bps | |
| Return on Equity | 3.37% | -6.60% | 1.44% | -16.48% | -9.23% | -1,260 bps | |
| Net Interest Margin | 3.35% | 3.51% | 3.63% | 3.90% | 4.12% | +77 bps | |
| Efficiency Ratio | 74.79% | 72.10% | 82.26% | 78.82% | 77.82% | +303 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.40% | -1.96% | -7.57% | -12.22% | -16.12% | -1,072 bps | |
| Loan Growth (YoY) | -12.22% | -13.41% | -18.94% | -8.82% | -24.60% | -1,239 bps | |
| Share Growth (YoY) | -2.37% | -1.24% | -7.64% | -11.88% | -15.41% | -1,305 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 5.20% | 2.27% | 2.71% | +271 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 3.95% | 4.55% | 4.14% | 5.03% | +469 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.72% | 11.89% | 12.34% | 12.06% | 12.88% | +16 bps | |
| Net Worth / Assets | 12.72% | 11.89% | 12.34% | 12.06% | 12.88% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.72% | 46.38% | 46.82% | 46.76% | 45.21% | -551 bps | |
| Liquid Assets / Assets | 54.21% | 58.73% | 18.80% | 59.61% | 61.70% | +749 bps | |