Paulding, OH · Charter 20995
NCUA · 3 branches
Q4 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.37% | 0.03% | -0.08% | 0.00% | -2.16% | -0.77% | -0.52% | -1.20% | -120 bps | |
| Return on Equity | -1.91% | 0.15% | -0.39% | 0.00% | -10.44% | -3.64% | -2.43% | -5.49% | -550 bps | |
| Net Interest Margin | 3.77% | 3.56% | 3.80% | 4.11% | 2.15% | 3.22% | 3.42% | 3.20% | -90 bps | |
| Efficiency Ratio | 109.37% | 99.24% | 101.99% | 99.98% | 189.06% | 122.53% | 114.20% | 134.84% | +3,486 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.02% | -0.82% | -9.89% | -11.08% | -9.84% | -11.22% | -5.73% | -6.55% | +453 bps | |
| Loan Growth (YoY) | -4.67% | -3.58% | 13.80% | 18.47% | 8.58% | 2.74% | -8.37% | -9.73% | -2,819 bps | |
| Share Growth (YoY) | -15.06% | -0.63% | -11.49% | -13.68% | -11.65% | -13.44% | -6.82% | -6.92% | +675 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.41% | 7.04% | 2.46% | 1.04% | 0.94% | 1.94% | 3.40% | 1.36% | +31 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 | 1.79% | 1.84% | 1.57% | 1.21% | 1.19% | 1.29% | 1.24% | 1.34% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.11% | 19.20% | 20.46% | 21.46% | 20.73% | 21.22% | 21.38% | 21.76% | +31 bps | |
| Net Worth / Assets | 19.11% | 19.20% | 20.46% | 21.46% | 20.73% | 21.22% | 21.38% | 21.76% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.65% | 61.97% | 78.98% | 78.50% | 78.23% | 73.56% | 77.66% | 76.13% | -237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |