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Cuyahoga Heights School Empl

Cuyahoga Hts, OH · Charter 63172

Q4 1997

$730KAssets
$431KLoans
$625KShares
n/aNet 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 3.88%, up 6 bps year over year.
  • Asset quality: problem loans at 1.42% of loans (-72 bps YoY).
  • Funding: loans stand at 68.86% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

3.88%+6 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.82%3.60%3.55%3.90%3.88%+6 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-7.44%-5.47%-4.89%-1.97%n/a
Loan Growth (YoY)n/a-10.83%-10.95%-13.71%-11.31%n/a
Share Growth (YoY)n/a-10.18%-7.82%-7.44%-4.31%n/a
Asset Quality
Delinquent Loans / Loans2.14%2.90%1.84%1.77%1.42%-72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.17%3.49%3.38%3.48%3.59%+42 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares74.30%65.21%67.26%67.42%68.86%-544 bps
Liquid Assets / Assets19.31%25.68%26.26%35.66%33.90%+1,459 bps