Parma, OH · Charter 62889
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Parma, OH · Charter 62889
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.01% | 0.10% | 0.32% | 0.49% | -21 bps | |
| Return on Equity | 5.61% | 0.09% | 0.88% | 2.88% | 4.30% | -131 bps | |
| Net Interest Margin | 2.51% | 2.21% | 2.08% | 2.22% | 2.42% | -9 bps | |
| Efficiency Ratio | 66.20% | 80.17% | 85.56% | 82.06% | 77.29% | +1,110 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 31.22% | 22.10% | 23.87% | 24.46% | 13.26% | -1,796 bps | |
| Loan Growth (YoY) | 38.96% | 36.92% | 22.82% | 17.13% | -10.83% | -4,979 bps | |
| Share Growth (YoY) | 32.72% | 21.99% | 24.25% | 25.62% | 16.09% | -1,663 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.20% | 0.35% | 0.15% | 0.16% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.34% | 0.34% | 0.27% | 0.31% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.41% | 11.86% | 11.45% | 11.19% | 11.40% | -101 bps | |
| Net Worth / Assets | 12.41% | 11.86% | 11.45% | 11.19% | 11.40% | -101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.20% | 64.09% | 60.06% | 53.01% | 51.62% | -1,558 bps | |
| Liquid Assets / Assets | 37.03% | 33.52% | 29.61% | 19.46% | 23.01% | -1,403 bps | |