Euclid, OH · Charter 63536
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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 63536
Q3 2007
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.96% | -0.80% | -0.61% | -0.47% | -3.98% | -302 bps | |
| Return on Equity | -8.31% | -6.91% | -5.35% | -4.30% | -45.01% | -3,670 bps | |
| Net Interest Margin | 3.73% | 3.70% | 3.34% | 3.26% | 3.53% | -20 bps | |
| Efficiency Ratio | 104.93% | 105.31% | 114.45% | 111.44% | 145.65% | +4,072 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.89% | -10.14% | -5.88% | -3.25% | -2.63% | +927 bps | |
| Loan Growth (YoY) | 3.01% | -2.85% | -7.20% | -8.78% | -10.69% | -1,370 bps | |
| Share Growth (YoY) | -12.64% | -10.60% | -5.97% | -2.99% | 0.25% | +1,290 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.98% | 3.66% | 3.65% | 3.55% | 0.71% | -227 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.09% | 0.98% | 1.06% | 0.00% | -105 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.59% | 11.57% | 11.45% | 11.03% | 8.84% | -275 bps | |
| Net Worth / Assets | 11.59% | 11.57% | 11.45% | 11.03% | 8.84% | -275 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.92% | 79.15% | 75.39% | 72.24% | 71.20% | -872 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |