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St. Paul Croatian

Cleveland, OH · Charter 5049

Q1 2010

$250.9MAssets
$240.7MLoans
$219.0MShares
$31.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.26%, up 133 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 4.32% of loans (+432 bps YoY).
  • Capital: net worth / assets of 12.61%, up 7 bps from a year ago.
  • Funding: loans stand at 109.92% of shares as of Q1 2010.

Financial Results

Return on Assets (quarter, annualized)

2.26%+133 bps YoY

Net Interest Margin (quarter, annualized)

2.77%-15 bps YoY

Efficiency Ratio (quarter, annualized)

20.43%-350 bps YoY

Net Worth / Assets

12.61%+7 bps YoY

Discrete quarter, annualized.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets0.93%2.07%2.16%2.17%2.26%+133 bps
Return on Equity7.42%16.25%17.27%17.15%17.90%+1,048 bps
Net Interest Margin2.92%2.87%2.81%2.81%2.77%-15 bps
Efficiency Ratio23.93%22.75%36.65%30.30%20.43%-350 bps
Growth
Asset Growth (YoY)16.14%18.48%22.31%21.95%23.32%+718 bps
Loan Growth (YoY)16.94%17.11%21.69%21.98%21.00%+405 bps
Share Growth (YoY)17.19%19.01%23.32%22.69%23.63%+644 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%4.32%+432 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.05%0.05%0.04%0.04%0.04%-1 bps
Capital
Risk-Based Capital12.54%12.75%12.53%12.65%12.61%+7 bps
Net Worth / Assets12.54%12.75%12.53%12.65%12.61%+7 bps
Liquidity & Funding
Loans / Shares112.31%111.17%111.29%112.07%109.92%-239 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps