Cleveland, OH · Charter 434
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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 434
NCUA · 1 branch
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | -1.83% | -0.49% | -0.05% | -0.89% | -1.68% | -7.45% | -5.30% | -525 bps | |
| Return on Equity | -3.64% | -7.95% | -2.04% | -0.21% | -3.43% | -6.55% | -32.41% | -24.73% | -2,453 bps | |
| Net Interest Margin | 3.57% | 3.81% | 1.04% | 3.86% | 3.90% | 4.08% | 3.55% | 3.41% | -46 bps | |
| Efficiency Ratio | 97.74% | 105.03% | 146.88% | 101.32% | 122.83% | 125.68% | 187.73% | 193.94% | +9,262 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.92% | -9.78% | -9.96% | -10.24% | -16.95% | -16.11% | -9.40% | -3.30% | +694 bps | |
| Loan Growth (YoY) | 3.09% | -2.92% | 3.34% | -2.46% | -8.24% | 1.00% | -12.23% | -10.07% | -761 bps | |
| Share Growth (YoY) | -5.41% | -10.10% | -10.51% | -11.71% | -19.27% | -19.45% | -8.74% | 1.06% | +1,277 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.44% | 3.80% | 2.93% | 5.06% | 8.56% | 7.64% | 5.68% | 10.55% | +549 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.58% | 1.62% | 1.65% | 0.89% | 1.95% | 1.68% | 1.86% | 1.88% | +99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.68% | 23.00% | 23.94% | 24.75% | 25.95% | 25.59% | 22.99% | 21.41% | -334 bps | |
| Net Worth / Assets | 23.68% | 23.00% | 23.94% | 24.75% | 25.95% | 25.59% | 22.99% | 21.41% | -334 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.04% | 83.26% | 91.90% | 92.65% | 98.93% | 104.39% | 88.38% | 82.44% | -1,020 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |