Columbus, OH · Charter 14418
NCUA · 2 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Columbus, OH · Charter 14418
NCUA · 2 branches
Q3 2018
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | 0.02% | 0.32% | 0.07% | 0.12% | +16 bps | |
| Return on Equity | -0.37% | 0.16% | 3.22% | 0.66% | 1.16% | +153 bps | |
| Net Interest Margin | 2.80% | 2.86% | 2.88% | 2.83% | 3.10% | +30 bps | |
| Efficiency Ratio | 90.89% | 88.88% | 94.50% | 94.40% | 91.33% | +44 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.09% | -7.00% | -7.63% | -5.44% | -8.05% | -296 bps | |
| Loan Growth (YoY) | -9.42% | -5.63% | 12.85% | 9.00% | 6.59% | +1,600 bps | |
| Share Growth (YoY) | -5.69% | -7.78% | -8.61% | -4.89% | -9.02% | -333 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 0.56% | 0.50% | 0.19% | 0.20% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.63% | 0.48% | 0.39% | 0.47% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.67% | 9.85% | 9.98% | 9.90% | 10.65% | +98 bps | |
| Net Worth / Assets | 9.67% | 9.85% | 9.98% | 9.90% | 10.65% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.70% | 43.61% | 50.81% | 48.40% | 50.02% | +733 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |