Euclid, OH · Charter 63309
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.
Euclid, OH · Charter 63309
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 | 3.83% | 2.84% | 2.88% | 3.83% | 3.01% | -82 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) | -20.84% | -19.96% | -8.90% | -7.30% | -6.66% | +1,418 bps | |
| Loan Growth (YoY) | -33.37% | -37.18% | -28.03% | -16.84% | -7.65% | +2,572 bps | |
| Share Growth (YoY) | -16.91% | -17.96% | -6.86% | -7.36% | -6.20% | +1,071 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.34% | 9.88% | 4.03% | 2.26% | 1.48% | -986 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.55% | 4.73% | 5.85% | 4.61% | 5.38% | +283 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 | 74.39% | 73.70% | 69.71% | 71.63% | 73.25% | -115 bps | |
| Liquid Assets / Assets | 11.09% | 9.52% | 32.04% | 31.02% | 29.54% | +1,845 bps | |