Cleveland, OH · Charter 65930
Q3 2003
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | -0.09% | 0.00% | 0.34% | -0.15% | -126 bps | |
| Return on Equity | 4.45% | -0.46% | 0.00% | 1.64% | -0.67% | -513 bps | |
| Net Interest Margin | 2.22% | 1.45% | 1.85% | 1.74% | 1.36% | -86 bps | |
| Efficiency Ratio | 60.44% | 105.23% | 100.00% | 63.68% | 101.73% | +4,129 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.34% | 11.32% | -24.91% | 0.87% | 8.73% | +1,107 bps | |
| Loan Growth (YoY) | -46.26% | -52.34% | -29.87% | -36.66% | -16.79% | +2,946 bps | |
| Share Growth (YoY) | -3.06% | 18.85% | -15.50% | 6.64% | 12.89% | +1,595 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.26% | 38.94% | 21.60% | 25.36% | 38.87% | +2,061 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 4.47% | 0.00% | 8.94% | 2.52% | +153 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.94% | 20.39% | 14.79% | 20.47% | 21.67% | -327 bps | |
| Net Worth / Assets | 24.94% | 20.39% | 14.79% | 20.47% | 21.67% | -327 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.35% | 16.17% | 21.74% | 13.27% | 16.47% | -588 bps | |
| Liquid Assets / Assets | 80.23% | 85.62% | 73.38% | 87.68% | 85.03% | +480 bps | |