Cleveland, OH · Charter 5315
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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 5315
Q4 2001
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 1.92% | 0.07% | 0.12% | 0.15% | -12 bps | |
| Return on Equity | n/a | n/a | 0.81% | 1.21% | 1.18% | n/a | |
| Net Interest Margin | 2.68% | 4.98% | 3.05% | 3.36% | 4.06% | +138 bps | |
| Efficiency Ratio | 69.32% | 40.08% | 71.12% | 63.58% | 68.80% | -52 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.75% | -3.60% | -9.73% | -22.47% | -37.51% | -4,326 bps | |
| Loan Growth (YoY) | -10.30% | -4.73% | 0.50% | -14.52% | -25.89% | -1,560 bps | |
| Share Growth (YoY) | 5.34% | -4.65% | -10.92% | -24.58% | -40.96% | -4,629 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.71% | 5.41% | 5.75% | 6.19% | 11.02% | +330 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.21% | 0.96% | 0.78% | 0.36% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 8.97% | 10.24% | 13.09% | n/a | |
| Net Worth / Assets | n/a | n/a | 8.97% | 10.24% | 13.09% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.57% | 62.21% | 68.78% | 67.49% | 71.00% | +1,443 bps | |
| Liquid Assets / Assets | 44.53% | 43.57% | 36.98% | 38.77% | 37.22% | -730 bps | |