Cleveland, OH · Charter 7186
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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 7186
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 0.75% | 0.77% | 0.61% | 0.54% | -54 bps | |
| Return on Equity | 3.46% | 2.30% | 2.30% | 2.01% | 1.66% | -180 bps | |
| Net Interest Margin | 3.00% | 2.30% | 2.24% | 1.50% | 1.33% | -167 bps | |
| Efficiency Ratio | 63.96% | 67.31% | 65.64% | 59.57% | 59.18% | -478 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.23% | 7.53% | 4.85% | 3.87% | 5.23% | +301 bps | |
| Loan Growth (YoY) | -14.23% | -11.79% | -20.85% | -30.17% | -32.21% | -1,798 bps | |
| Share Growth (YoY) | 3.14% | 9.81% | 6.00% | 4.18% | 6.23% | +309 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 32.37% | 54.93% | 6.64% | 5.27% | 0.00% | -3,237 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.62% | 8.08% | 9.33% | 10.06% | 5.35% | -227 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.26% | 32.73% | 33.45% | 30.19% | 32.65% | +139 bps | |
| Net Worth / Assets | 31.26% | 32.73% | 33.45% | 30.19% | 32.65% | +139 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.29% | 38.42% | 34.27% | 31.65% | 28.26% | -1,603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |