Springfield, OH · Charter 14444
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Springfield, OH · Charter 14444
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.05% | -3.07% | -4.05% | -8.11% | -6.18% | -413 bps | |
| Return on Equity | -22.83% | -44.73% | -70.34% | -257% | -169.58% | -14,675 bps | |
| Net Interest Margin | 3.70% | 3.45% | 3.28% | 3.26% | 3.65% | -5 bps | |
| Efficiency Ratio | 99.30% | 99.02% | 98.11% | 148.84% | 132.76% | +3,345 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.21% | -8.32% | -12.56% | -17.82% | -12.24% | +196 bps | |
| Loan Growth (YoY) | -15.18% | -11.27% | -14.10% | -13.17% | -5.66% | +951 bps | |
| Share Growth (YoY) | -14.02% | -6.06% | -9.89% | -14.02% | -7.89% | +613 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.58% | 9.40% | 10.82% | 8.50% | 8.29% | -229 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.18% | 4.16% | 5.24% | 5.86% | 4.28% | +310 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.97% | 6.85% | 5.76% | 3.16% | 3.64% | -533 bps | |
| Net Worth / Assets | 8.97% | 6.85% | 5.76% | 3.16% | 3.64% | -533 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.34% | 43.66% | 39.71% | 40.17% | 47.46% | +112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |