Cleveland, OH · Charter 3429
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.
Cleveland, OH · Charter 3429
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 | 5.45% | 2.50% | -3.66% | 5.58% | -7.54% | -1,299 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) | -2.41% | 0.68% | -15.63% | -36.74% | -46.55% | -4,414 bps | |
| Loan Growth (YoY) | 18.93% | 16.47% | -11.84% | -50.17% | -65.43% | -8,436 bps | |
| Share Growth (YoY) | -6.93% | -0.30% | -3.96% | -40.13% | -47.55% | -4,062 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.82% | 23.57% | 26.17% | 21.65% | 38.79% | +3,197 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.74% | 10.85% | 19.47% | 6.07% | 16.01% | +1,027 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 | 109.93% | 110.96% | 101.09% | 82.06% | 72.46% | -3,746 bps | |
| Liquid Assets / Assets | 16.91% | 8.39% | 11.85% | 5.27% | 23.35% | +644 bps | |