Toledo, OH · Charter 5989
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Toledo, OH · Charter 5989
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.81% | 2.03% | -0.04% | -8.11% | -15.88% | -1,769 bps | |
| Return on Equity | 6.43% | 6.83% | -0.12% | -27.47% | -59.89% | -6,632 bps | |
| Net Interest Margin | 5.54% | 6.21% | 6.70% | 4.68% | 5.84% | +30 bps | |
| Efficiency Ratio | 61.97% | 58.54% | 90.18% | 62.44% | 72.21% | +1,024 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.63% | -0.79% | -10.17% | -16.45% | -21.10% | -2,272 bps | |
| Loan Growth (YoY) | 30.41% | 16.89% | 4.55% | -10.10% | -24.71% | -5,513 bps | |
| Share Growth (YoY) | 1.02% | -3.04% | -13.88% | -19.24% | -19.39% | -2,042 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.63% | 2.74% | 7.73% | 7.12% | 1.66% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.52% | 0.76% | 2.17% | 0.68% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.12% | 29.69% | 31.02% | 29.54% | 26.52% | -161 bps | |
| Net Worth / Assets | 28.12% | 29.69% | 31.02% | 29.54% | 26.52% | -161 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 110.59% | 114.98% | 123.07% | 112.56% | 103.29% | -730 bps | |
| Liquid Assets / Assets | 18.22% | 16.55% | 12.72% | 20.13% | 22.41% | +419 bps | |