Cleveland, OH · Charter 4150
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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 4150
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.81% | -0.47% | -0.52% | -0.54% | -0.78% | +3 bps | |
| Return on Equity | -9.00% | -5.31% | -5.84% | -6.44% | -9.41% | -41 bps | |
| Net Interest Margin | 2.20% | 2.15% | 2.11% | 1.98% | 1.95% | -25 bps | |
| Efficiency Ratio | 123.16% | 118.50% | 117.92% | 122.31% | 119.03% | -413 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.04% | -0.12% | 0.16% | 3.44% | 2.64% | +160 bps | |
| Loan Growth (YoY) | -0.10% | -8.01% | -9.56% | -11.75% | -15.07% | -1,497 bps | |
| Share Growth (YoY) | 2.02% | 0.51% | 0.70% | 4.43% | 3.62% | +160 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.50% | 1.66% | 1.62% | 1.57% | 0.85% | -66 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.44% | 0.94% | 0.94% | 0.94% | 1.55% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.05% | 8.91% | 8.98% | 8.39% | 8.32% | -74 bps | |
| Net Worth / Assets | 9.05% | 8.91% | 8.98% | 8.39% | 8.32% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.53% | 30.85% | 30.91% | 28.44% | 28.30% | -623 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |