Olive Hill, KY · Charter 18084
NCUA · 1 branch
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | -0.99% | -6.58% | -5.30% | -3.60% | -2.90% | -10.85% | -8.01% | -271 bps | |
| Return on Equity | -6.05% | -6.65% | -27.47% | -21.75% | -15.58% | -11.41% | -53.33% | -35.02% | -1,327 bps | |
| Net Interest Margin | 1.48% | 1.60% | 2.49% | 2.62% | 3.04% | 3.67% | -4.29% | -1.24% | -387 bps | |
| Efficiency Ratio | 238% | 219% | 252% | 203% | 163.17% | 154.67% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.87% | -2.09% | -45.50% | -47.33% | -46.23% | -47.31% | -0.33% | -9.72% | +3,761 bps | |
| Loan Growth (YoY) | 8.27% | 2.54% | -8.14% | 8.64% | 25.21% | 22.91% | 14.16% | -14.06% | -2,270 bps | |
| Share Growth (YoY) | -3.41% | -1.35% | -52.27% | -54.50% | -52.30% | -54.52% | 4.33% | -8.23% | +4,627 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 1.53% | 1.30% | 0.00% | 0.00% | 0.00% | 0.00% | 2.19% | +219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.47% | 2.34% | 2.31% | 2.04% | 0.99% | 1.28% | 1.37% | -94 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.18% | 14.93% | 23.97% | 24.39% | 23.10% | 25.39% | 20.35% | 22.88% | -151 bps | |
| Net Worth / Assets | 14.18% | 14.93% | 23.97% | 24.39% | 23.10% | 25.39% | 20.35% | 22.88% | -151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.43% | 23.21% | 39.11% | 52.25% | 56.26% | 62.72% | 42.80% | 48.94% | -332 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |