Cleveland, OH · Charter 4820
Q4 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.61% | 0.78% | -12.59% | -9.86% | -7.72% | -511 bps | |
| Return on Equity | -49.85% | 13.61% | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 4.48% | 5.56% | 5.59% | 6.22% | 5.20% | +72 bps | |
| Efficiency Ratio | 112.01% | 85.88% | 119.03% | 114.79% | 126.94% | +1,493 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.55% | -8.79% | -10.56% | -20.59% | -12.38% | -784 bps | |
| Loan Growth (YoY) | -12.11% | 1.76% | -4.68% | -15.87% | -23.87% | -1,177 bps | |
| Share Growth (YoY) | -2.57% | -8.18% | -5.12% | -15.26% | -5.70% | -313 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.18% | 18.12% | 12.83% | 13.84% | 16.39% | -179 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 1.26% | 6.53% | 4.35% | 4.32% | +319 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.24% | 5.70% | -0.50% | -0.69% | -1.75% | -698 bps | |
| Net Worth / Assets | 5.24% | 5.70% | -0.50% | -0.69% | -1.75% | -698 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.00% | 72.09% | 67.21% | 69.81% | 55.70% | -1,330 bps | |
| Liquid Assets / Assets | 30.11% | 26.15% | 30.35% | 25.59% | 40.56% | +1,045 bps | |