Canton, OH · Charter 61523
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Canton, OH · Charter 61523
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.14% | 0.19% | 1.62% | 0.23% | -16.85% | -1,998 bps | |
| Return on Equity | n/a | n/a | n/a | 2.90% | n/a | n/a | n/a |
| Net Interest Margin | n/a | 5.86% | 6.29% | 6.71% | 5.55% | n/a | |
| Efficiency Ratio | n/a | 87.03% | 75.35% | 79.68% | 96.75% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.67% | 20.15% | 19.56% | 9.25% | -7.45% | -2,112 bps | |
| Loan Growth (YoY) | 17.56% | 19.62% | 30.07% | 16.19% | -15.26% | -3,282 bps | |
| Share Growth (YoY) | 18.05% | 25.47% | 23.06% | 9.60% | 6.08% | -1,197 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.97% | 3.57% | 3.09% | 7.10% | 6.32% | +336 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 1.20% | 1.29% | 1.61% | 10.31% | +911 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 7.82% | -5.94% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 7.82% | -5.94% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.06% | 88.54% | 93.41% | 93.34% | 70.35% | -1,771 bps | |
| Liquid Assets / Assets | 12.47% | 10.30% | 3.72% | 11.40% | 27.66% | +1,519 bps | |