Cleveland, OH · Charter 63219
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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 63219
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | -4.40% | -3.63% | 0.39% | -4.97% | -540 bps | |
| Return on Equity | 3.77% | -58.75% | -51.62% | 5.03% | -71.09% | -7,485 bps | |
| Net Interest Margin | 4.47% | 3.85% | 4.12% | 7.19% | 2.17% | -230 bps | |
| Efficiency Ratio | 91.23% | 95.61% | 104.75% | 94.56% | 163.38% | +7,215 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.65% | 9.25% | 9.69% | -4.37% | -13.10% | -1,576 bps | |
| Loan Growth (YoY) | -18.15% | -12.07% | -5.21% | -4.44% | 6.95% | +2,510 bps | |
| Share Growth (YoY) | 1.73% | 8.85% | 15.89% | 4.61% | -7.64% | -936 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.37% | 11.80% | 4.39% | 5.89% | 1.78% | -959 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.42% | 12.80% | 5.67% | 5.73% | 5.73% | +31 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.46% | 7.50% | 7.04% | 7.78% | 6.99% | -447 bps | |
| Net Worth / Assets | 11.46% | 7.50% | 7.04% | 7.78% | 6.99% | -447 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.21% | 53.06% | 51.39% | 54.35% | 61.61% | +840 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |