Parma, OH · Charter 6395
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Parma, OH · Charter 6395
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.49% | 0.62% | 0.51% | 0.44% | -5 bps | |
| Return on Equity | 2.33% | 2.33% | 2.87% | 2.39% | 2.08% | -26 bps | |
| Net Interest Margin | 3.49% | 3.40% | 3.54% | 3.53% | 3.56% | +6 bps | |
| Efficiency Ratio | 88.91% | 88.69% | 86.34% | 86.85% | 86.88% | -204 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.43% | 5.77% | 2.43% | 3.05% | 0.75% | -469 bps | |
| Loan Growth (YoY) | -4.65% | -6.76% | 4.93% | 1.97% | -2.27% | +238 bps | |
| Share Growth (YoY) | 5.24% | 5.92% | 2.88% | 2.78% | 0.26% | -499 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.99% | 0.92% | 0.67% | 0.96% | 0.96% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.38% | 1.24% | 1.18% | 1.11% | -45 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.99% | 20.94% | 21.64% | 21.44% | 21.33% | +34 bps | |
| Net Worth / Assets | 20.99% | 20.94% | 21.64% | 21.44% | 21.33% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.99% | 71.97% | 75.74% | 74.10% | 71.15% | -184 bps | |
| Liquid Assets / Assets | 20.40% | 18.98% | 18.60% | 21.04% | 18.99% | -142 bps | |