Cincinnati, OH · Charter 21503
NCUA · 3 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cincinnati, OH · Charter 21503
NCUA · 3 branches
Q3 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.71% | -1.38% | -0.51% | -0.29% | -0.56% | -0.71% | -0.65% | -0.77% | -48 bps | |
| Return on Equity | -5.68% | -11.28% | -3.94% | -2.13% | -4.04% | -5.26% | -4.63% | -5.47% | -333 bps | |
| Net Interest Margin | 1.75% | 1.67% | 1.85% | 1.97% | 2.03% | 1.84% | 2.07% | 2.32% | +36 bps | |
| Efficiency Ratio | 112.00% | 144.71% | 102.88% | 99.24% | 100.79% | 94.35% | 90.12% | 96.88% | -236 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.09% | -6.58% | -8.86% | -10.94% | -13.25% | -11.97% | -12.27% | -10.21% | +73 bps | |
| Loan Growth (YoY) | -20.50% | -20.98% | -15.57% | -12.27% | -13.84% | -6.50% | -14.02% | -17.46% | -519 bps | |
| Share Growth (YoY) | -6.18% | -6.05% | -8.73% | -11.22% | -14.57% | -13.29% | -13.46% | -10.93% | +28 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.38% | 1.12% | 1.52% | 3.15% | 3.72% | 3.04% | 1.40% | 3.11% | -4 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 | 1.32% | 0.65% | 0.80% | 0.86% | 2.55% | 2.93% | 3.27% | 5.04% | +418 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.41% | 12.20% | 12.90% | 13.47% | 13.74% | 13.52% | 14.09% | 14.07% | +60 bps | |
| Net Worth / Assets | 12.41% | 12.20% | 12.90% | 13.47% | 13.74% | 13.52% | 14.09% | 14.07% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.98% | 15.10% | 16.90% | 16.90% | 17.13% | 16.28% | 16.79% | 15.66% | -124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |