Toledo, OH · Charter 11171
NCUA · 2 branches
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | -0.38% | -0.06% | -0.19% | -0.34% | -1.92% | -1.48% | -1.69% | -150 bps | |
| Return on Equity | -4.90% | -2.99% | -0.51% | -1.56% | -2.78% | -17.09% | -13.17% | -15.41% | -1,385 bps | |
| Net Interest Margin | 2.48% | 2.54% | 2.60% | 2.58% | 2.57% | 2.47% | 2.51% | 2.57% | -1 bps | |
| Efficiency Ratio | 101.53% | 101.15% | 97.28% | 98.20% | 98.16% | 118.00% | 107.82% | 112.51% | +1,431 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.07% | -3.25% | 1.67% | 5.67% | 3.29% | 5.22% | 2.80% | -1.74% | -741 bps | |
| Loan Growth (YoY) | -5.91% | -1.94% | 1.63% | 0.95% | 1.30% | -3.23% | -6.65% | -7.50% | -845 bps | |
| Share Growth (YoY) | -1.83% | -3.06% | 4.32% | 6.85% | 4.04% | 6.70% | 4.20% | -0.39% | -725 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.59% | 1.87% | 2.54% | 3.68% | 4.13% | 3.09% | 2.56% | 2.72% | -96 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.86% | 0.84% | 0.89% | 1.03% | 1.18% | 1.21% | 1.29% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.83% | 12.59% | 12.59% | 12.25% | 12.09% | 11.25% | 11.21% | 11.00% | -125 bps | |
| Net Worth / Assets | 12.83% | 12.59% | 12.59% | 12.25% | 12.09% | 11.25% | 11.21% | 11.00% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.04% | 53.92% | 55.56% | 53.63% | 52.62% | 48.90% | 49.77% | 49.80% | -383 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |