Lakewood, OH · Charter 3521
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | -0.67% | 0.07% | 0.00% | 0.92% | +74 bps | |
| Return on Equity | 2.12% | -7.67% | 0.77% | 0.04% | 17.37% | +1,525 bps | |
| Net Interest Margin | 8.34% | 8.85% | 8.61% | 8.09% | 8.61% | +27 bps | |
| Efficiency Ratio | 59.79% | 66.06% | 62.70% | 61.47% | 72.34% | +1,255 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.08% | -17.25% | -14.80% | -13.33% | -16.77% | -669 bps | |
| Loan Growth (YoY) | -17.05% | -18.63% | -18.05% | -21.11% | -33.71% | -1,667 bps | |
| Share Growth (YoY) | -9.93% | -17.06% | -16.81% | -14.50% | -13.81% | -389 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 34.98% | 34.76% | 38.01% | 46.71% | 34.41% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.06% | 7.67% | 8.96% | 8.67% | 0.00% | -706 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.43% | 8.68% | 9.30% | 9.13% | 5.30% | -313 bps | |
| Net Worth / Assets | 8.43% | 8.68% | 9.30% | 9.13% | 5.30% | -313 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.49% | 72.58% | 73.12% | 65.90% | 54.22% | -1,627 bps | |
| Liquid Assets / Assets | 37.73% | 0.00% | 0.00% | 0.00% | 0.00% | -3,773 bps | |