Cleveland, OH · Charter 61622
NCUA · 2 branches
Q2 2016
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.88% | -6.15% | -9.01% | -5.35% | -2.09% | +278 bps | |
| Return on Equity | -18.15% | -24.67% | -41.06% | -21.53% | -8.45% | +970 bps | |
| Net Interest Margin | 2.95% | 2.93% | 2.99% | 3.15% | 2.95% | 0 bps | |
| Efficiency Ratio | 208% | 181.31% | 212% | 250% | 92.51% | -11,504 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.15% | -5.83% | -10.97% | -18.28% | -16.98% | -1,083 bps | |
| Loan Growth (YoY) | 4.37% | -9.58% | -5.49% | -8.56% | -16.84% | -2,120 bps | |
| Share Growth (YoY) | -3.40% | -0.10% | -6.49% | -12.89% | -11.96% | -856 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 4.13% | 4.03% | 9.34% | 10.51% | 11.15% | +701 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.86% | 24.93% | 21.95% | 24.86% | 24.80% | -207 bps | |
| Net Worth / Assets | 26.86% | 24.93% | 21.95% | 24.86% | 24.80% | -207 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |