Maumee, OH · Charter 21216
NCUA · 1 branch
Q2 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.15% | 0.12% | 0.20% | -15.16% | -1,533 bps | |
| Return on Equity | 0.98% | 0.90% | 0.67% | 1.16% | -149.04% | -15,002 bps | |
| Net Interest Margin | 2.84% | 2.81% | 2.90% | 2.75% | -8.67% | -1,151 bps | |
| Efficiency Ratio | 88.29% | 88.61% | 90.54% | 88.76% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.60% | 3.65% | 2.04% | 2.10% | -4.45% | -504 bps | |
| Loan Growth (YoY) | -3.76% | -5.82% | -9.65% | -5.74% | -5.73% | -197 bps | |
| Share Growth (YoY) | 0.50% | 4.28% | 2.45% | 2.46% | 3.63% | +313 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.34% | 3.05% | 2.29% | 1.77% | 2.10% | -123 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.11% | 1.21% | 1.03% | 0.55% | -51 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.94% | 16.92% | 17.37% | 17.26% | 10.18% | -676 bps | |
| Net Worth / Assets | 16.94% | 16.92% | 17.37% | 17.26% | 10.18% | -676 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.31% | 57.36% | 57.37% | 57.04% | 53.04% | -526 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |