Richmond Hts., OH · Charter 60995
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Richmond Hts., OH · Charter 60995
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.36% | 0.39% | 0.43% | 0.55% | +22 bps | |
| Return on Equity | 2.83% | 2.90% | 3.02% | 3.34% | 4.09% | +126 bps | |
| Net Interest Margin | 3.16% | 3.34% | 3.47% | 3.43% | 3.58% | +42 bps | |
| Efficiency Ratio | 85.41% | 86.42% | 86.33% | 86.76% | 83.80% | -161 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.96% | 0.16% | -4.29% | -3.78% | -9.35% | -1,031 bps | |
| Loan Growth (YoY) | -4.56% | -2.66% | -2.20% | 1.97% | 6.29% | +1,085 bps | |
| Share Growth (YoY) | 0.61% | 0.11% | -5.02% | -4.57% | -10.66% | -1,127 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 0.73% | 0.90% | 0.49% | 1.13% | +37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.36% | 0.36% | 0.36% | 0.35% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.75% | 12.36% | 12.88% | 12.84% | 13.41% | +166 bps | |
| Net Worth / Assets | 11.75% | 12.36% | 12.88% | 12.84% | 13.41% | +166 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.67% | 49.61% | 51.45% | 50.62% | 54.33% | +867 bps | |
| Liquid Assets / Assets | 25.87% | 20.52% | 22.83% | 28.71% | 0.00% | -2,587 bps | |