Cleveland, OH · Charter 61622
NCUA · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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 61622
NCUA · 2 branches
Q2 2016
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.30% | -2.68% | -5.49% | -4.88% | -6.15% | -9.01% | -5.35% | -2.09% | +278 bps | |
| Return on Equity | -14.58% | -9.47% | -20.08% | -18.15% | -24.67% | -41.06% | -21.53% | -8.45% | +970 bps | |
| Net Interest Margin | 2.91% | 2.90% | 2.75% | 2.95% | 2.93% | 2.99% | 3.15% | 2.95% | 0 bps | |
| Efficiency Ratio | 219% | 176.82% | 215% | 208% | 181.31% | 212% | 250% | 92.51% | -11,504 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.52% | -9.41% | -5.67% | -6.15% | -5.83% | -10.97% | -18.28% | -16.98% | -1,083 bps | |
| Loan Growth (YoY) | 8.36% | 6.94% | 7.66% | 4.37% | -9.58% | -5.49% | -8.56% | -16.84% | -2,120 bps | |
| Share Growth (YoY) | -10.72% | -7.62% | -3.40% | -3.40% | -0.10% | -6.49% | -12.89% | -11.96% | -856 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.08% | 14.58% | 13.43% | 13.29% | 0.62% | 33.90% | 26.16% | 37.39% | +2,410 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.75% | 3.90% | 3.72% | 4.13% | 4.03% | 9.34% | 10.51% | 11.15% | +701 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.47% | 28.33% | 27.35% | 26.86% | 24.93% | 21.95% | 24.86% | 24.80% | -207 bps | |
| Net Worth / Assets | 29.47% | 28.33% | 27.35% | 26.86% | 24.93% | 21.95% | 24.86% | 24.80% | -207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.22% | 53.63% | 55.09% | 56.53% | 50.89% | 54.20% | 57.83% | 53.40% | -313 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |