PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City of South Euclid Employees

South Euclid, OH · Charter 62629

Q2 2001

$1.6MAssets
$1.1MLoans
$1.2MShares
$378KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.31%, down 162 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 3.21% of loans (+86 bps YoY).
  • Capital: net worth / assets of 23.42%.
  • Funding: loans stand at 85.19% of shares as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

0.31%-162 bps YoY

Net Interest Margin (quarter, annualized)

4.86%

Efficiency Ratio (quarter, annualized)

91.06%

Net Worth / Assets

23.42%

Discrete quarter, annualized.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets1.93%0.10%1.16%0.36%0.31%-162 bps
Return on Equityn/an/an/a1.47%1.33%n/a
Net Interest Marginn/a4.27%5.28%5.35%4.86%n/a
Efficiency Ration/a97.68%78.08%81.72%91.06%n/a
Growth
Asset Growth (YoY)-5.83%-4.39%-3.79%-10.83%-7.49%-166 bps
Loan Growth (YoY)-22.41%-21.62%12.25%14.17%16.55%+3,897 bps
Share Growth (YoY)-7.83%-5.17%-4.92%-12.94%-10.20%-237 bps
Asset Quality
Delinquent Loans / Loans2.36%2.49%0.91%2.46%3.21%+86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.29%0.82%0.63%1.05%1.04%-25 bps
Capital
Risk-Based Capitaln/an/an/a24.27%23.42%n/a
Net Worth / Assetsn/an/an/a24.27%23.42%n/a
Liquidity & Funding
Loans / Shares65.64%65.58%85.35%93.02%85.19%+1,955 bps
Liquid Assets / Assets41.93%38.82%28.26%18.89%32.52%-941 bps