Cincinnati, OH · Charter 12539
NCUA · 1 branch
Q4 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.01% | 0.31% | 1.53% | 2.67% | 1.54% | 1.00% | 0.76% | -77 bps | |
| Return on Equity | -2.28% | -0.10% | 3.42% | 15.99% | 27.43% | 15.92% | 10.41% | 6.19% | -980 bps | |
| Net Interest Margin | 3.97% | 3.68% | 3.80% | 4.06% | 3.86% | 4.57% | 4.02% | 4.86% | +80 bps | |
| Efficiency Ratio | 107.33% | 100.29% | 90.60% | 68.79% | 52.14% | 66.62% | 75.30% | 84.48% | +1,569 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.85% | 14.90% | 14.71% | 1.71% | 3.51% | -0.76% | 2.36% | -17.17% | -1,888 bps | |
| Loan Growth (YoY) | 23.06% | 8.09% | 25.01% | 29.99% | 16.07% | 11.90% | -9.68% | -32.58% | -6,257 bps | |
| Share Growth (YoY) | 10.72% | 14.63% | 14.09% | 0.05% | 2.00% | -2.29% | 1.64% | -19.52% | -1,957 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.63% | 0.10% | 0.00% | 0.00% | 0.30% | -33 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 | 2.28% | 2.19% | 1.89% | 1.81% | 1.97% | 1.96% | 2.10% | 2.68% | +87 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.10% | 8.61% | 9.11% | 9.60% | 9.73% | 9.68% | 9.64% | 12.35% | +275 bps | |
| Net Worth / Assets | 9.10% | 8.61% | 9.11% | 9.60% | 9.73% | 9.68% | 9.64% | 12.35% | +275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.90% | 60.67% | 72.85% | 81.24% | 70.43% | 69.48% | 64.73% | 68.06% | -1,318 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |