Cleveland, OH · Charter 3338
Q2 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.86% | 2.52% | 0.00% | 4.80% | 4.03% | +118 bps | |
| Return on Equity | 17.80% | 15.60% | 0.00% | 21.29% | 17.83% | +3 bps | |
| Net Interest Margin | 5.71% | 5.61% | 3.91% | 8.65% | 8.22% | +251 bps | |
| Efficiency Ratio | 50.19% | 49.44% | 72.40% | 44.59% | 51.01% | +82 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.09% | -0.24% | -5.02% | -41.70% | -44.42% | -4,233 bps | |
| Loan Growth (YoY) | -1.43% | -6.22% | -11.73% | -25.75% | -39.55% | -3,812 bps | |
| Share Growth (YoY) | -3.20% | -0.37% | -3.45% | -46.32% | -49.55% | -4,635 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.85% | 8.02% | 8.45% | 1.46% | 2.48% | -536 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.37% | 1.46% | 8.38% | 1.58% | 1.83% | -254 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.04% | 16.14% | 13.16% | 22.56% | 22.63% | +659 bps | |
| Net Worth / Assets | 16.04% | 16.14% | 13.16% | 22.56% | 22.63% | +659 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.54% | 52.62% | 49.15% | 69.33% | 65.34% | +1,081 bps | |
| Liquid Assets / Assets | 55.66% | 56.16% | 61.02% | 45.77% | 0.00% | -5,566 bps | |