Shaker Heights, OH · Charter 96777
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.93% | 3.97% | 4.08% | 4.10% | 3.38% | -56 bps | |
| Efficiency Ratio | 113.09% | 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/a | 0.01% | -1.83% | -1.41% | -1.46% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.78% | 0.89% | 1.12% | 1.92% | 0.10% | -168 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.60% | 0.97% | 0.90% | 1.85% | +138 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.03% | 6.85% | 6.75% | 6.93% | 2.56% | -447 bps | |
| Net Worth / Assets | 7.03% | 6.85% | 6.75% | 6.93% | 2.56% | -447 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.08% | 74.04% | 73.50% | 72.38% | 61.40% | -1,268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |