Cleveland, OH · Charter 21482
Q3 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.10% | 0.13% | -0.78% | -2514% | -251,429 bps | |
| Return on Equity | 0.38% | 0.49% | 0.66% | -4.02% | -3558% | -355,812 bps | |
| Net Interest Margin | 1.39% | 1.35% | 0.96% | 2.12% | -2263% | -226,415 bps | |
| Efficiency Ratio | 94.98% | 117.44% | 133.59% | 137.00% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -12.87% | -23.70% | -16.25% | -13.13% | -99.07% | -8,619 bps | |
| Loan Growth (YoY) | -92.91% | -95.82% | -99.09% | -100.00% | -100.00% | -709 bps | |
| Share Growth (YoY) | -15.51% | -30.12% | -19.98% | -16.25% | -99.66% | -8,415 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 16.23% | 39.39% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 63.12% | 40.48% | 0.00% | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 18.19% | 21.56% | 20.09% | 19.47% | 70.67% | +5,248 bps | |
| Net Worth / Assets | 18.19% | 21.56% | 20.09% | 19.47% | 70.67% | +5,248 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 0.76% | 0.39% | 0.06% | 0.00% | 0.00% | -76 bps | |
| Liquid Assets / Assets | 60.47% | 98.75% | 98.73% | 0.00% | 0.00% | -6,047 bps | |