Euclid, OH · Charter 4932
Q2 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.00% | -0.99% | -0.70% | -0.20% | -1.20% | -20 bps | |
| Return on Equity | -7.11% | -6.99% | -4.90% | -1.44% | -4.87% | +224 bps | |
| Net Interest Margin | 1.14% | 1.09% | 1.07% | 0.94% | 1.66% | +52 bps | |
| Efficiency Ratio | 188.06% | 190.44% | 192.58% | 207% | 215% | +2,716 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.04% | -2.29% | -0.68% | -3.69% | -45.19% | -4,523 bps | |
| Loan Growth (YoY) | -7.83% | -5.61% | -17.24% | -36.68% | -69.24% | -6,141 bps | |
| Share Growth (YoY) | 1.32% | -1.23% | 0.04% | -2.72% | -51.92% | -5,324 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 1.17% | 2.44% | 12.83% | 1.13% | +59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.71% | 4.08% | 1.45% | 0.96% | 3.19% | -51 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.00% | 14.10% | 14.33% | 14.16% | 24.61% | +1,061 bps | |
| Net Worth / Assets | 14.00% | 14.10% | 14.33% | 14.16% | 24.61% | +1,061 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 9.82% | 9.67% | 7.90% | 6.91% | 6.28% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |