Cleveland, OH · Charter 61584
Q4 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.88% | 1.30% | 1.05% | 0.80% | +47 bps | |
| Return on Equity | 1.17% | 3.07% | 4.23% | 3.30% | 2.46% | +129 bps | |
| Net Interest Margin | 4.42% | 4.02% | 4.47% | 4.54% | 4.50% | +8 bps | |
| Efficiency Ratio | 69.28% | 74.70% | 70.76% | 77.01% | 80.65% | +1,137 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.94% | -10.74% | -12.10% | -12.77% | -11.75% | -281 bps | |
| Loan Growth (YoY) | 0.35% | -8.97% | -22.00% | -17.51% | -22.42% | -2,277 bps | |
| Share Growth (YoY) | -12.58% | -14.92% | -17.20% | -17.58% | -16.72% | -414 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.87% | 0.44% | 0.86% | 1.27% | 6.84% | +497 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.03% | 3.62% | 3.89% | 2.58% | 3.23% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.97% | 28.80% | 30.67% | 31.94% | 32.49% | +452 bps | |
| Net Worth / Assets | 27.97% | 28.80% | 30.67% | 31.94% | 32.49% | +452 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.00% | 44.60% | 45.35% | 49.12% | 44.72% | -329 bps | |
| Liquid Assets / Assets | 21.30% | 30.79% | 36.76% | 32.55% | 36.72% | +1,542 bps | |