Cleveland, OH · Charter 3240
NCUA · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Cleveland, OH · Charter 3240
NCUA · 1 branch
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.26% | 0.20% | -0.47% | -0.12% | -0.01% | -0.19% | -23.18% | -2,271 bps | |
| Return on Equity | 4.58% | 4.04% | 3.05% | -7.62% | -1.87% | -0.11% | -2.81% | -2417% | -240,972 bps | |
| Net Interest Margin | 3.02% | 3.04% | 3.17% | 2.78% | 2.96% | 2.89% | 3.10% | 3.13% | +35 bps | |
| Efficiency Ratio | 92.61% | 93.56% | 93.81% | 91.63% | 93.11% | 93.66% | 79.00% | 119.18% | +2,754 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.40% | -0.42% | -1.95% | 2.85% | 4.20% | 2.98% | -1.77% | -9.21% | -1,205 bps | |
| Loan Growth (YoY) | -9.27% | -4.56% | -5.95% | -0.47% | -5.88% | -10.29% | -11.81% | -17.51% | -1,704 bps | |
| Share Growth (YoY) | -0.17% | 0.66% | -3.56% | 2.97% | 4.73% | 2.33% | -1.76% | -4.20% | -717 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.90% | 4.10% | 6.35% | 6.34% | 4.69% | 6.46% | 4.96% | 0.14% | -620 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.04% | 2.08% | 2.25% | 2.57% | 1.90% | 2.06% | 2.68% | 10.45% | +787 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.50% | 6.49% | 6.69% | 6.19% | 6.23% | 6.30% | 6.62% | 0.96% | -523 bps | |
| Net Worth / Assets | 6.50% | 6.49% | 6.69% | 6.19% | 6.23% | 6.30% | 6.62% | 0.96% | -523 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.78% | 49.66% | 50.24% | 45.56% | 44.74% | 43.54% | 45.10% | 39.23% | -633 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |