Lima, OH · Charter 12407
NCUA · 1 branch
Q4 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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.08% | 0.04% | 0.09% | -0.37% | -0.33% | -0.14% | 0.26% | +18 bps | |
| Return on Equity | -2.16% | -0.93% | 0.44% | 1.07% | -5.08% | -4.40% | -1.80% | 3.21% | +214 bps | |
| Net Interest Margin | 2.88% | 2.91% | 2.88% | 2.97% | 2.59% | 2.68% | 2.83% | 2.93% | -3 bps | |
| Efficiency Ratio | 94.33% | 95.03% | 92.98% | 90.49% | 90.73% | 90.32% | 87.88% | 81.08% | -940 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | 1.69% | 7.55% | -1.00% | 9.76% | 7.81% | 3.11% | 4.13% | +513 bps | |
| Loan Growth (YoY) | 8.64% | 4.77% | 1.84% | 3.42% | -3.45% | -4.96% | -0.91% | -1.08% | -450 bps | |
| Share Growth (YoY) | 1.98% | 1.95% | 7.95% | -1.31% | 10.58% | 8.65% | 3.69% | 4.43% | +574 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 1.36% | 1.90% | 3.99% | 2.18% | 2.48% | 2.80% | 2.75% | -124 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 | 0.59% | 0.56% | 0.55% | 0.70% | 0.89% | 1.17% | 1.37% | 1.19% | +49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.04% | 8.08% | 7.99% | 8.29% | 7.35% | 7.44% | 7.70% | 8.22% | -6 bps | |
| Net Worth / Assets | 8.04% | 8.08% | 7.99% | 8.29% | 7.35% | 7.44% | 7.70% | 8.22% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.89% | 44.09% | 42.82% | 44.86% | 38.32% | 38.57% | 40.92% | 42.49% | -236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |