Conneaut, OH · Charter 9234
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Conneaut, OH · Charter 9234
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.11% | 0.21% | 0.14% | -10.55% | -1,159 bps | |
| Return on Equity | 3.79% | 3.56% | 0.65% | 0.42% | -45.71% | -4,950 bps | |
| Net Interest Margin | 4.04% | 4.48% | 4.10% | 3.88% | -7.08% | -1,112 bps | |
| Efficiency Ratio | 74.57% | 75.57% | 95.01% | 96.55% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -6.12% | -13.06% | -14.46% | -14.83% | -11.15% | -503 bps | |
| Loan Growth (YoY) | -4.10% | -7.09% | -15.76% | -8.64% | -14.73% | -1,063 bps | |
| Share Growth (YoY) | -9.23% | -18.95% | -20.72% | -21.23% | -16.02% | -679 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.14% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.62% | 0.70% | 0.66% | 0.69% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.34% | 31.04% | 31.60% | 32.14% | 23.09% | -425 bps | |
| Net Worth / Assets | 27.34% | 31.04% | 31.60% | 32.14% | 23.09% | -425 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.68% | 97.82% | 88.71% | 95.60% | 88.02% | +133 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |