Elyria, OH · Charter 7932
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Elyria, OH · Charter 7932
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 0.07% | 0.02% | -0.52% | -0.72% | -199 bps | |
| Return on Equity | n/a | n/a | n/a | -4.15% | -5.55% | n/a | |
| Net Interest Margin | n/a | 5.85% | 6.08% | 6.14% | 5.73% | n/a | |
| Efficiency Ratio | n/a | 97.71% | 95.76% | 96.60% | 107.94% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.97% | -10.29% | -10.78% | -13.55% | -21.94% | -2,691 bps | |
| Loan Growth (YoY) | -20.90% | -21.13% | -15.86% | -17.12% | -27.67% | -678 bps | |
| Share Growth (YoY) | 5.39% | -11.72% | -12.23% | -14.78% | -23.97% | -2,936 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.63% | 12.06% | 13.07% | 10.97% | 9.52% | +289 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 0.85% | 0.50% | 1.13% | 2.28% | +101 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 12.65% | 12.92% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 12.65% | 12.92% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.59% | 70.53% | 65.64% | 65.88% | 58.59% | -300 bps | |
| Liquid Assets / Assets | 41.23% | 30.67% | 38.18% | 40.21% | 47.55% | +632 bps | |