Cleveland, OH · Charter 96740
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 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 96740
Q3 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | -0.14% | 3.28% | 0.15% | 0.17% | +51 bps | |
| Return on Equity | -5.22% | -1.79% | 38.84% | 1.89% | 2.18% | +740 bps | |
| Net Interest Margin | 2.05% | 2.63% | 5.44% | 2.27% | 2.27% | +22 bps | |
| Efficiency Ratio | 93.79% | 90.24% | 40.73% | 93.84% | 92.96% | -82 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.90% | -27.61% | -16.52% | -16.38% | -12.86% | +704 bps | |
| Loan Growth (YoY) | -1.23% | 16.27% | -38.94% | -5.41% | -19.79% | -1,856 bps | |
| Share Growth (YoY) | -11.08% | -23.48% | -18.58% | -17.72% | -14.07% | -299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 29.98% | 32.88% | 1.61% | 1.11% | 1.13% | -2,885 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 26.00% | 27.67% | 3.73% | 6.93% | 7.35% | -1,865 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.48% | 7.65% | 8.44% | 7.82% | 7.72% | +124 bps | |
| Net Worth / Assets | 6.48% | 7.65% | 8.44% | 7.82% | 7.72% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.64% | 66.75% | 44.15% | 62.87% | 56.60% | -404 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |