PackageTrendsPeer
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C.M.H.A. Employees

Cleveland, OH · Charter 3455

Q1 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

C.M.H.A. Employees

Cleveland, OH · Charter 3455

Q1 2006

$420KAssets
$165KLoans
$376KShares
$44KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.96%, up 114 bps year over year; NIM at 6.63%.
  • Asset quality: problem loans at 7.39% of loans (+441 bps YoY).
  • Capital: net worth / assets of 10.53%, up 78 bps from a year ago.
  • Funding: loans stand at 43.98% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-1.96%+114 bps YoY

Net Interest Margin (YTD, annualized)

6.63%+34 bps YoY

Efficiency Ratio (YTD, annualized)

128.57%+1,873 bps YoY

Net Worth / Assets

10.53%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-3.10%-1.87%-1.59%-1.46%-1.96%+114 bps
Return on Equity-31.78%-19.04%-17.61%-13.32%-18.57%+1,321 bps
Net Interest Margin6.29%6.13%5.73%6.81%6.63%+34 bps
Efficiency Ratio109.84%109.60%105.93%103.36%128.57%+1,873 bps
Growth
Asset Growth (YoY)-6.96%-11.13%-4.94%-5.91%-15.69%-873 bps
Loan Growth (YoY)-28.14%-28.30%-18.04%-7.01%-15.04%+1,311 bps
Share Growth (YoY)-6.28%-10.74%-4.23%-5.14%-16.25%-997 bps
Asset Quality
Delinquent Loans / Loans2.98%2.48%4.83%3.58%7.39%+441 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.17%1.51%2.11%2.51%3.27%+110 bps
Capital
Risk-Based Capital9.75%9.82%9.01%10.96%10.53%+78 bps
Net Worth / Assets9.75%9.82%9.01%10.96%10.53%+78 bps
Liquidity & Funding
Loans / Shares43.35%41.11%39.27%50.46%43.98%+63 bps
Liquid Assets / Assets56.59%58.86%61.20%51.74%57.16%+57 bps