Rocky River, OH · Charter 19150
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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.
Rocky River, OH · Charter 19150
Q1 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | -0.12% | -0.30% | -0.13% | 0.22% | +7 bps | |
| Return on Equity | 2.19% | -1.72% | -4.51% | -2.02% | 3.30% | +111 bps | |
| Net Interest Margin | 1.54% | 1.41% | 1.45% | 1.45% | 1.45% | -9 bps | |
| Efficiency Ratio | 89.96% | 108.26% | 120.47% | 109.21% | 84.65% | -531 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 25.04% | 27.45% | 16.40% | 9.43% | 3.61% | -2,143 bps | |
| Loan Growth (YoY) | -23.67% | -24.05% | -20.70% | -27.44% | -18.20% | +547 bps | |
| Share Growth (YoY) | 29.90% | 32.78% | 19.92% | 11.45% | 4.19% | -2,571 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.10% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.69% | 0.67% | 0.74% | 0.77% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.09% | 6.78% | 6.59% | 6.64% | 6.72% | -36 bps | |
| Net Worth / Assets | 7.09% | 6.78% | 6.59% | 6.64% | 6.72% | -36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.82% | 29.29% | 29.86% | 27.05% | 25.76% | -705 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |