Parma, OH · Charter 4385
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Parma, OH · Charter 4385
Q1 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.70% | -0.23% | -0.12% | -0.30% | -0.18% | +52 bps | |
| Return on Equity | -2.69% | -0.89% | -0.44% | -1.13% | -0.63% | +206 bps | |
| Net Interest Margin | 1.96% | 2.06% | 2.10% | 2.11% | 1.98% | +1 bps | |
| Efficiency Ratio | 102.18% | 95.90% | 95.29% | 94.00% | 102.17% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.78% | -6.62% | -7.40% | -4.62% | -9.61% | -84 bps | |
| Loan Growth (YoY) | -5.23% | -7.75% | -3.29% | -7.52% | -6.07% | -84 bps | |
| Share Growth (YoY) | -10.81% | -8.24% | -9.84% | -5.77% | -12.70% | -188 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 2.98% | 1.76% | 0.16% | 0.22% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.13% | 1.13% | 1.23% | 1.29% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.90% | 26.33% | 27.08% | 26.77% | 28.44% | +254 bps | |
| Net Worth / Assets | 25.90% | 26.33% | 27.08% | 26.77% | 28.44% | +254 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.22% | 43.03% | 45.00% | 42.32% | 45.42% | +320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |