Forest, OH · Charter 14967
NCUA · 1 branch
Q1 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.55% | 0.50% | -0.14% | -0.13% | -1.98% | -142 bps | |
| Return on Equity | -5.29% | 4.64% | -1.29% | -1.29% | -19.45% | -1,416 bps | |
| Net Interest Margin | 2.49% | 2.27% | 1.96% | 1.83% | 0.85% | -164 bps | |
| Efficiency Ratio | 130.28% | 122.84% | 145.39% | 138.54% | 321% | +19,069 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.13% | -8.94% | -0.58% | 4.38% | -1.67% | +246 bps | |
| Loan Growth (YoY) | -24.24% | -34.88% | -43.56% | -53.03% | -55.42% | -3,118 bps | |
| Share Growth (YoY) | -5.78% | -10.73% | -1.07% | 4.55% | -1.64% | +414 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 | 2.79% | 0.63% | 0.48% | 0.26% | 0.32% | -248 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.48% | 10.71% | 10.84% | 10.41% | 10.17% | -31 bps | |
| Net Worth / Assets | 10.48% | 10.71% | 10.84% | 10.41% | 10.17% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.79% | 17.46% | 14.72% | 12.18% | 10.33% | -1,246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |