Cleveland, OH · Charter 3435
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.18% | -20.40% | -13.44% | -8.04% | -0.42% | +175 bps | |
| Return on Equity | -11.00% | -230% | -138.35% | -75.66% | -4.15% | +684 bps | |
| Net Interest Margin | 5.31% | 6.28% | 6.17% | 5.86% | 5.67% | +36 bps | |
| Efficiency Ratio | 115.48% | 136.01% | 132.95% | 136.58% | 107.04% | -844 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.36% | -20.71% | -14.96% | -11.89% | -17.26% | -390 bps | |
| Loan Growth (YoY) | 2.11% | -19.68% | -26.52% | -23.05% | -21.12% | -2,323 bps | |
| Share Growth (YoY) | -12.60% | -9.08% | -3.85% | -2.03% | -7.10% | +550 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 32.45% | 15.02% | 0.93% | 0.54% | 12.89% | -1,957 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.50% | 12.50% | 6.59% | 6.88% | 6.16% | +466 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.80% | 8.88% | 9.72% | 10.63% | 10.16% | -964 bps | |
| Net Worth / Assets | 19.80% | 8.88% | 9.72% | 10.63% | 10.16% | -964 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.68% | 44.24% | 40.90% | 40.28% | 46.42% | -825 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |