Cleveland, OH · Charter 61916
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Cleveland, OH · Charter 61916
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.23% | 0.34% | 0.20% | -0.06% | -44 bps | |
| Return on Equity | n/a | n/a | 1.88% | 1.07% | -0.33% | n/a | |
| Net Interest Margin | 4.44% | 4.23% | 4.53% | 4.42% | 4.52% | +8 bps | |
| Efficiency Ratio | 92.50% | 95.76% | 96.08% | 95.18% | 100.94% | +844 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.03% | -3.36% | -4.53% | -6.84% | -5.44% | +259 bps | |
| Loan Growth (YoY) | -8.86% | -2.11% | -0.50% | -1.30% | -15.62% | -676 bps | |
| Share Growth (YoY) | -10.49% | -4.64% | -6.17% | -8.92% | -7.32% | +317 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 1.68% | 1.38% | 0.81% | 1.12% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.82% | 2.40% | 2.23% | 2.38% | 2.51% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 18.03% | 18.42% | 19.31% | n/a | |
| Net Worth / Assets | n/a | n/a | 18.03% | 18.42% | 19.31% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.08% | 59.66% | 62.61% | 60.73% | 58.34% | -574 bps | |
| Liquid Assets / Assets | 15.93% | 22.54% | 40.06% | 18.25% | 36.69% | +2,076 bps | |