Cleveland, OH · Charter 63158
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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 63158
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.06% | 2.75% | 3.03% | 3.03% | 2.82% | -25 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -13.08% | -17.73% | -18.32% | -8.98% | -21.96% | -888 bps | |
| Loan Growth (YoY) | -11.60% | -5.96% | -4.57% | -17.05% | -23.35% | -1,175 bps | |
| Share Growth (YoY) | -17.47% | -22.25% | -22.60% | -11.20% | -26.65% | -919 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.61% | 8.76% | 7.82% | 6.91% | 4.46% | -515 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.83% | 2.67% | 2.60% | 3.34% | 3.10% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.82% | 86.15% | 87.32% | 82.26% | 80.29% | +346 bps | |
| Liquid Assets / Assets | 24.55% | 26.71% | 25.18% | 25.58% | 29.72% | +517 bps | |