Cleveland Hts, OH · Charter 61300
NCUA · 1 branch
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 2022, 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 Hts, OH · Charter 61300
NCUA · 1 branch
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.18% | 0.84% | 0.34% | 0.25% | -0.14% | -0.30% | 0.05% | -28 bps | |
| Return on Equity | 6.21% | 5.94% | 4.28% | 1.77% | 1.35% | -0.76% | -1.63% | 0.28% | -149 bps | |
| Net Interest Margin | 3.51% | 3.33% | 3.12% | 2.42% | 2.23% | 2.03% | 2.12% | 2.26% | -16 bps | |
| Efficiency Ratio | 65.76% | 65.04% | 68.82% | 86.32% | 89.05% | 106.69% | 113.75% | 97.75% | +1,144 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.51% | -0.53% | 3.75% | 9.04% | 7.48% | 7.81% | 4.54% | -0.90% | -994 bps | |
| Loan Growth (YoY) | -12.63% | -12.21% | -16.37% | -24.82% | -17.43% | -10.55% | -3.38% | 6.20% | +3,102 bps | |
| Share Growth (YoY) | -1.55% | -1.75% | 3.58% | 10.49% | 8.90% | 9.95% | 5.99% | -0.61% | -1,110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.65% | 1.00% | 0.86% | 0.54% | 1.36% | 1.87% | 0.37% | -50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.54% | 5.58% | 4.72% | 4.49% | 4.96% | 4.94% | 5.08% | 5.32% | +83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.73% | 19.93% | 19.71% | 19.06% | 18.71% | 18.34% | 18.56% | 18.86% | -20 bps | |
| Net Worth / Assets | 19.73% | 19.93% | 19.71% | 19.06% | 18.71% | 18.34% | 18.56% | 18.86% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.63% | 32.17% | 29.85% | 25.02% | 24.74% | 26.17% | 27.21% | 26.73% | +171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |