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Shaker Community

Shaker Heights, OH · Charter 96777

Q1 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Shaker Community

Shaker Heights, OH · Charter 96777

Q1 2008

$7.5MAssets
$4.4MLoans
$7.2MShares
$192KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -17.14%, down 1,504 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.10% of loans (-168 bps YoY).
  • Capital: net worth / assets of 2.56%, down 447 bps from a year ago.
  • Funding: loans stand at 61.40% of shares as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-17.14%-1,504 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-56 bps YoY

Efficiency Ratio (YTD, annualized)

233%+12,032 bps YoY

Net Worth / Assets

2.56%-447 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-2.10%-1.84%-1.76%-1.18%-17.14%-1,504 bps
Return on Equity-29.84%-26.79%-26.05%-17.00%-670%-64,063 bps
Net Interest Margin3.93%3.97%4.08%4.10%3.38%-56 bps
Efficiency Ratio113.09%110.96%111.01%106.39%233%+12,032 bps
Growth
Asset Growth (YoY)n/a-0.88%-2.98%-2.54%-5.66%n/a
Loan Growth (YoY)n/a-15.80%-18.41%-13.08%-18.33%n/a
Share Growth (YoY)n/a0.01%-1.83%-1.41%-1.46%n/a
Asset Quality
Delinquent Loans / Loans1.78%0.89%1.12%1.92%0.10%-168 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.48%0.60%0.97%0.90%1.85%+138 bps
Capital
Risk-Based Capital7.03%6.85%6.75%6.93%2.56%-447 bps
Net Worth / Assets7.03%6.85%6.75%6.93%2.56%-447 bps
Liquidity & Funding
Loans / Shares74.08%74.04%73.50%72.38%61.40%-1,268 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps