Toledo, OH · Charter 3233
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Toledo, OH · Charter 3233
Q2 1998
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.14% | 3.87% | 2.80% | 2.97% | -64.73% | -6,887 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) | 16.91% | 2.76% | 0.12% | -5.38% | -62.44% | -7,935 bps | |
| Loan Growth (YoY) | 35.24% | 35.05% | -7.57% | -14.49% | -30.17% | -6,540 bps | |
| Share Growth (YoY) | 11.74% | -1.71% | -1.35% | -9.80% | -61.64% | -7,339 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.12% | 3.26% | 2.95% | 9.55% | 13.82% | +1,170 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.77% | 1.81% | 2.69% | 2.28% | 25.42% | +2,265 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 | 84.37% | 103.26% | 86.93% | 99.43% | 153.59% | +6,922 bps | |
| Liquid Assets / Assets | 30.08% | 15.34% | 28.12% | 20.79% | 0.00% | -3,008 bps | |