Maumee, OH · Charter 21216
NCUA · 1 branch
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.18% | 0.12% | 0.17% | 0.15% | 0.12% | 0.20% | -15.16% | -1,533 bps | |
| Return on Equity | 1.19% | 1.02% | 0.68% | 0.98% | 0.90% | 0.67% | 1.16% | -149.04% | -15,002 bps | |
| Net Interest Margin | 2.88% | 2.96% | 2.90% | 2.84% | 2.81% | 2.90% | 2.75% | -8.67% | -1,151 bps | |
| Efficiency Ratio | 86.85% | 88.03% | 89.92% | 88.29% | 88.61% | 90.54% | 88.76% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.52% | -2.99% | -3.36% | 0.60% | 3.65% | 2.04% | 2.10% | -4.45% | -504 bps | |
| Loan Growth (YoY) | 2.22% | 3.90% | 2.61% | -3.76% | -5.82% | -9.65% | -5.74% | -5.73% | -197 bps | |
| Share Growth (YoY) | -5.97% | -2.75% | -3.77% | 0.50% | 4.28% | 2.45% | 2.46% | 3.63% | +313 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.39% | 1.34% | 2.62% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.83% | 0.96% | 1.07% | 1.11% | 1.21% | 1.03% | 0.55% | -51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.40% | 17.60% | 17.49% | 16.94% | 16.92% | 17.37% | 17.26% | 10.18% | -676 bps | |
| Net Worth / Assets | 17.40% | 17.60% | 17.49% | 16.94% | 16.92% | 17.37% | 17.26% | 10.18% | -676 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.51% | 65.05% | 62.01% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |