Cleveland, OH · Charter 4923
Q4 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.33% | 1.60% | 0.81% | -9.38% | -1,004 bps | |
| Return on Equity | 2.86% | 1.40% | 6.57% | 3.27% | -60.29% | -6,315 bps | |
| Net Interest Margin | 4.35% | 4.10% | 4.36% | 4.50% | -4.36% | -871 bps | |
| Efficiency Ratio | 75.94% | 84.76% | 66.59% | 79.99% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -18.21% | -11.76% | -14.11% | -10.53% | -5.98% | +1,222 bps | |
| Loan Growth (YoY) | -11.67% | -6.23% | 12.32% | 4.93% | -4.51% | +715 bps | |
| Share Growth (YoY) | -23.02% | -15.61% | -18.58% | -14.33% | 3.75% | +2,677 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 23.15% | 20.06% | 19.83% | 13.16% | 11.80% | -1,135 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.52% | 2.49% | 2.32% | 2.83% | 2.03% | -149 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.27% | 23.61% | 24.34% | 24.61% | 15.56% | -772 bps | |
| Net Worth / Assets | 23.27% | 23.61% | 24.34% | 24.61% | 15.56% | -772 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.28% | 42.46% | 47.20% | 46.00% | 39.83% | -345 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |