PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Columbkille

Parma, OH · Charter 13971

NCUA · 1 branch

Q2 2020

$21.4MAssets
$6.4MLoans
$18.9MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.20%, up 8 bps year over year; NIM at 1.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.22%, up 57 bps from a year ago.
  • Funding: loans stand at 33.91% of shares as of Q2 2020.

Return on Assets (YTD, annualized)

0.20%+8 bps YoY

Net Interest Margin (YTD, annualized)

1.89%+2 bps YoY

Efficiency Ratio (YTD, annualized)

89.54%-386 bps YoY

Net Worth / Assets

11.22%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets0.40%0.23%0.14%0.12%0.22%0.18%0.28%0.20%+8 bps
Return on Equity3.77%2.21%1.34%1.16%1.96%1.60%2.45%1.78%+63 bps
Net Interest Margin2.01%1.93%1.93%1.87%2.00%2.04%1.99%1.89%+2 bps
Efficiency Ratio80.09%86.60%92.79%93.40%89.38%90.84%86.15%89.54%-386 bps
Growth
Asset Growth (YoY)-3.26%-2.35%-1.79%-1.94%-2.88%-6.45%-6.29%-3.22%-128 bps
Loan Growth (YoY)-4.90%-1.78%0.07%2.23%-2.08%-0.62%-3.34%-5.10%-733 bps
Share Growth (YoY)-4.04%-2.99%-2.34%-2.41%-3.35%-7.40%-7.29%-3.85%-144 bps
Asset Quality
Delinquent Loans / Loans0.12%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.33%0.31%0.31%0.31%0.33%0.42%0.45%0.40%+9 bps
Capital
Risk-Based Capital10.61%10.38%10.52%10.65%11.02%11.28%11.44%11.22%+57 bps
Net Worth / Assets10.61%10.38%10.52%10.65%11.02%11.28%11.44%11.22%+57 bps
Liquidity & Funding
Loans / Shares34.55%32.83%32.92%34.35%35.00%35.24%34.32%33.91%-45 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps