PackageTrendsPeer
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Rocky River School Emps.

Rocky River, OH · Charter 19150

Q1 2012

$1.5MAssets
$361KLoans
$1.4MShares
$101KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.22%, up 7 bps year over year; NIM at 1.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 6.72%, down 36 bps from a year ago.
  • Funding: loans stand at 25.76% of shares as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

0.22%+7 bps YoY

Net Interest Margin (YTD, annualized)

1.45%-9 bps YoY

Efficiency Ratio (YTD, annualized)

84.65%-531 bps YoY

Net Worth / Assets

6.72%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.15%-0.12%-0.30%-0.13%0.22%+7 bps
Return on Equity2.19%-1.72%-4.51%-2.02%3.30%+111 bps
Net Interest Margin1.54%1.41%1.45%1.45%1.45%-9 bps
Efficiency Ratio89.96%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 / Loans0.00%0.00%0.00%0.10%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%0.69%0.67%0.74%0.77%+14 bps
Capital
Risk-Based Capital7.09%6.78%6.59%6.64%6.72%-36 bps
Net Worth / Assets7.09%6.78%6.59%6.64%6.72%-36 bps
Liquidity & Funding
Loans / Shares32.82%29.29%29.86%27.05%25.76%-705 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps