Cleveland, OH · Charter 4984
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 4984
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -14.25% | -9.92% | -10.25% | 0.27% | -311% | -29,718 bps | |
| Return on Equity | -97.42% | -64.80% | -129.08% | 3.36% | -4087% | -398,984 bps | |
| Net Interest Margin | -11.40% | -8.37% | -8.69% | 1.52% | -272% | -26,089 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 82.05% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -6.68% | -8.68% | -9.65% | -8.65% | -96.78% | -9,010 bps | |
| Loan Growth (YoY) | -75.46% | -75.43% | -75.62% | -78.91% | -100.00% | -2,454 bps | |
| Share Growth (YoY) | -7.78% | -1.39% | -1.86% | 6.50% | -96.13% | -8,834 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.01% | 5.34% | 5.10% | 6.25% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 16.00% | 18.48% | 18.84% | 23.05% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 14.63% | 15.31% | 7.94% | 8.12% | 7.62% | -701 bps | |
| Net Worth / Assets | 14.63% | 15.31% | 7.94% | 8.12% | 7.62% | -701 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 4.60% | 3.80% | 3.73% | 2.83% | 0.00% | -460 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |