Cleveland, OH · Charter 7660
Q3 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -13.71% | -10.48% | -0.98% | -1.16% | -1.01% | +1,270 bps | |
| Return on Equity | -380% | -242% | -24.07% | -29.93% | -24.58% | +35,537 bps | |
| Net Interest Margin | 4.96% | 5.26% | 4.34% | 4.40% | 4.65% | -31 bps | |
| Efficiency Ratio | 99.63% | 90.66% | 122.69% | 125.78% | 121.75% | +2,212 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.20% | -17.58% | -17.96% | -16.64% | -16.73% | -453 bps | |
| Loan Growth (YoY) | -19.65% | -24.27% | -27.24% | -27.09% | -25.57% | -592 bps | |
| Share Growth (YoY) | -3.27% | -9.89% | -9.74% | -13.53% | -16.93% | -1,366 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 33.29% | 35.49% | 60.11% | 37.58% | 53.78% | +2,049 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 16.88% | 18.18% | 19.44% | 21.06% | 22.68% | +580 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.61% | 4.33% | 4.09% | 3.88% | 4.12% | +51 bps | |
| Net Worth / Assets | 3.61% | 4.33% | 4.09% | 3.88% | 4.12% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.88% | 62.57% | 58.55% | 55.48% | 56.34% | -654 bps | |
| Liquid Assets / Assets | 47.95% | 49.52% | 53.04% | 55.70% | 55.93% | +798 bps | |