PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hillcrest Educational

Richmond Hts., OH · Charter 60995

Q2 2006

$35.1MAssets
$16.6MLoans
$30.5MShares
$4.7MNet 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 0.55%, up 22 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 1.13% of loans (+37 bps YoY).
  • Capital: net worth / assets of 13.41%, up 166 bps from a year ago.
  • Funding: loans stand at 54.33% of shares as of Q2 2006.

Financial Results

Return on Assets (quarter, annualized)

0.55%+22 bps YoY

Net Interest Margin (quarter, annualized)

3.58%+42 bps YoY

Efficiency Ratio (quarter, annualized)

83.80%-161 bps YoY

Net Worth / Assets

13.41%+166 bps YoY

Discrete quarter, annualized.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.33%0.36%0.39%0.43%0.55%+22 bps
Return on Equity2.83%2.90%3.02%3.34%4.09%+126 bps
Net Interest Margin3.16%3.34%3.47%3.43%3.58%+42 bps
Efficiency Ratio85.41%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 / Loans0.77%0.73%0.90%0.49%1.13%+37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.37%0.36%0.36%0.36%0.35%-2 bps
Capital
Risk-Based Capital11.75%12.36%12.88%12.84%13.41%+166 bps
Net Worth / Assets11.75%12.36%12.88%12.84%13.41%+166 bps
Liquidity & Funding
Loans / Shares45.67%49.61%51.45%50.62%54.33%+867 bps
Liquid Assets / Assets25.87%20.52%22.83%28.71%0.00%-2,587 bps