Cleveland Hts, OH · Charter 61300
NCUA · 1 branch
Q1 2022
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.25% | -0.14% | -0.30% | 0.05% | -28 bps | |
| Return on Equity | 1.77% | 1.35% | -0.76% | -1.63% | 0.28% | -149 bps | |
| Net Interest Margin | 2.42% | 2.23% | 2.03% | 2.12% | 2.26% | -16 bps | |
| Efficiency Ratio | 86.32% | 89.05% | 106.69% | 113.75% | 97.75% | +1,144 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.04% | 7.48% | 7.81% | 4.54% | -0.90% | -994 bps | |
| Loan Growth (YoY) | -24.82% | -17.43% | -10.55% | -3.38% | 6.20% | +3,102 bps | |
| Share Growth (YoY) | 10.49% | 8.90% | 9.95% | 5.99% | -0.61% | -1,110 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 4.49% | 4.96% | 4.94% | 5.08% | 5.32% | +83 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.06% | 18.71% | 18.34% | 18.56% | 18.86% | -20 bps | |
| Net Worth / Assets | 19.06% | 18.71% | 18.34% | 18.56% | 18.86% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |