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Cuyahoga Works

Cuyahoga Hts., OH · Charter 61379

Q4 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cuyahoga Works

Cuyahoga Hts., OH · Charter 61379

Q4 2005

$2.7MAssets
$1.8MLoans
$2.4MShares
$238KNet 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 -3.46%, down 153 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 5.12% of loans (+368 bps YoY).
  • Capital: net worth / assets of 8.81%, down 303 bps from a year ago.
  • Funding: loans stand at 73.51% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-3.46%-153 bps YoY

Net Interest Margin (YTD, annualized)

4.89%+18 bps YoY

Efficiency Ratio (YTD, annualized)

127.20%+2,277 bps YoY

Net Worth / Assets

8.81%-303 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets-1.93%0.56%-0.29%-0.82%-3.46%-153 bps
Return on Equity-16.27%4.54%-2.28%-6.60%-39.25%-2,298 bps
Net Interest Margin4.70%5.39%5.21%5.04%4.89%+18 bps
Efficiency Ratio104.42%85.09%96.57%104.72%127.20%+2,277 bps
Growth
Asset Growth (YoY)-2.08%-6.51%-10.51%-9.40%-11.23%-915 bps
Loan Growth (YoY)14.12%9.88%-4.25%-5.95%-8.73%-2,285 bps
Share Growth (YoY)-3.95%-5.37%-6.42%-8.15%-5.08%-113 bps
Asset Quality
Delinquent Loans / Loans1.44%2.90%3.12%1.77%5.12%+368 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.45%1.59%1.81%0.11%2.11%+66 bps
Capital
Risk-Based Capital11.85%12.23%12.75%12.47%8.81%-303 bps
Net Worth / Assets11.85%12.23%12.75%12.47%8.81%-303 bps
Liquidity & Funding
Loans / Shares76.44%72.31%76.30%79.72%73.51%-294 bps
Liquid Assets / Assets30.79%32.31%30.27%25.12%29.77%-102 bps