Cleveland, OH · Charter 61491
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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, OH · Charter 61491
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.81% | 3.41% | 2.85% | 0.49% | -0.05% | -286 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.38% | 4.37% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 91.97% | 100.96% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -10.96% | -15.43% | -12.90% | -20.30% | -17.74% | -678 bps | |
| Loan Growth (YoY) | 12.29% | -24.80% | -37.17% | -44.82% | -50.05% | -6,234 bps | |
| Share Growth (YoY) | -7.62% | -12.73% | -13.81% | -22.54% | -19.69% | -1,207 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.86% | 12.66% | 5.86% | 12.97% | 11.92% | +307 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.60% | 4.84% | 6.09% | 5.98% | 2.21% | -139 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 106.97% | 93.84% | 76.18% | 71.90% | 66.53% | -4,044 bps | |
| Liquid Assets / Assets | 0.83% | 14.44% | 31.01% | 22.38% | 0.00% | -83 bps | |