Delaware, OH · Charter 12907
NCUA
Q1 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.63% | -4.38% | -2.45% | -1.87% | 0.88% | +852 bps | |
| Return on Equity | -95.05% | -53.84% | -31.57% | -22.00% | 9.67% | +10,472 bps | |
| Net Interest Margin | 3.35% | 3.23% | 3.07% | 3.43% | 3.78% | +43 bps | |
| Efficiency Ratio | 102.87% | 113.34% | 100.78% | 97.50% | 78.47% | -2,440 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.46% | -11.25% | -4.14% | -11.20% | -8.40% | +206 bps | |
| Loan Growth (YoY) | -19.89% | -5.82% | 1.53% | 1.97% | 1.64% | +2,154 bps | |
| Share Growth (YoY) | -9.96% | -11.11% | -2.49% | -10.26% | -9.09% | +86 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.65% | 0.69% | +69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.40% | 2.27% | 2.19% | 2.45% | 2.65% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.03% | 8.14% | 7.74% | 8.48% | 9.11% | +108 bps | |
| Net Worth / Assets | 8.03% | 8.14% | 7.74% | 8.48% | 9.11% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.17% | 54.05% | 51.62% | 51.85% | 51.62% | +545 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |