Cleveland, OH · Charter 19064
Q4 1997
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.31% | 7.89% | 1.48% | 3.38% | -11.97% | -1,828 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | 41.05% | 103.49% | 55.12% | 16.27% | n/a | |
| Loan Growth (YoY) | n/a | 69.01% | 66.47% | 41.97% | 34.49% | n/a | |
| Share Growth (YoY) | n/a | 43.25% | 129.53% | 60.97% | 42.37% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 41.00% | 26.61% | 28.54% | 56.76% | 68.06% | +2,705 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.42% | 1.66% | 7.26% | 5.10% | 23.51% | +2,108 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.71% | 97.34% | 76.72% | 75.95% | 73.41% | -430 bps | |
| Liquid Assets / Assets | 5.13% | 4.94% | 3.86% | 18.93% | 21.95% | +1,682 bps | |