Parma, OH · Charter 13971
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Parma, OH · Charter 13971
NCUA · 1 branch
Q2 2020
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.22% | 0.18% | 0.28% | 0.20% | +8 bps | |
| Return on Equity | 1.16% | 1.96% | 1.60% | 2.45% | 1.78% | +63 bps | |
| Net Interest Margin | 1.87% | 2.00% | 2.04% | 1.99% | 1.89% | +2 bps | |
| Efficiency Ratio | 93.40% | 89.38% | 90.84% | 86.15% | 89.54% | -386 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.94% | -2.88% | -6.45% | -6.29% | -3.22% | -128 bps | |
| Loan Growth (YoY) | 2.23% | -2.08% | -0.62% | -3.34% | -5.10% | -733 bps | |
| Share Growth (YoY) | -2.41% | -3.35% | -7.40% | -7.29% | -3.85% | -144 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.33% | 0.42% | 0.45% | 0.40% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.65% | 11.02% | 11.28% | 11.44% | 11.22% | +57 bps | |
| Net Worth / Assets | 10.65% | 11.02% | 11.28% | 11.44% | 11.22% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.35% | 35.00% | 35.24% | 34.32% | 33.91% | -45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |