Dayton, OH · Charter 10900
NCUA · 1 branch
Q2 2018
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.82% | -0.63% | -0.66% | -2.45% | -1.85% | -103 bps | |
| Return on Equity | -10.13% | -8.14% | -8.58% | -34.31% | -26.65% | -1,651 bps | |
| Net Interest Margin | 2.33% | 2.36% | 2.38% | 2.73% | 2.80% | +47 bps | |
| Efficiency Ratio | 116.33% | 111.09% | 109.99% | 114.00% | 113.14% | -320 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.08% | 9.98% | 15.41% | 10.02% | -0.76% | -985 bps | |
| Loan Growth (YoY) | 0.38% | -5.81% | -4.21% | 0.34% | -5.56% | -593 bps | |
| Share Growth (YoY) | 11.14% | 11.92% | 17.90% | 12.33% | 0.45% | -1,069 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.69% | 3.19% | 3.56% | 2.96% | 1.60% | -109 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.70% | 0.80% | 0.73% | 1.04% | -58 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.05% | 7.80% | 7.67% | 7.14% | 6.93% | -112 bps | |
| Net Worth / Assets | 8.05% | 7.80% | 7.67% | 7.14% | 6.93% | -112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.25% | 38.42% | 39.14% | 39.21% | 38.79% | -247 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |