Cincinnati, OH · Charter 21503
NCUA · 3 branches
Q3 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | -0.56% | -0.71% | -0.65% | -0.77% | -48 bps | |
| Return on Equity | -2.13% | -4.04% | -5.26% | -4.63% | -5.47% | -333 bps | |
| Net Interest Margin | 1.97% | 2.03% | 1.84% | 2.07% | 2.32% | +36 bps | |
| Efficiency Ratio | 99.24% | 100.79% | 94.35% | 90.12% | 96.88% | -236 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.94% | -13.25% | -11.97% | -12.27% | -10.21% | +73 bps | |
| Loan Growth (YoY) | -12.27% | -13.84% | -6.50% | -14.02% | -17.46% | -519 bps | |
| Share Growth (YoY) | -11.22% | -14.57% | -13.29% | -13.46% | -10.93% | +28 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.86% | 2.55% | 2.93% | 3.27% | 5.04% | +418 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.47% | 13.74% | 13.52% | 14.09% | 14.07% | +60 bps | |
| Net Worth / Assets | 13.47% | 13.74% | 13.52% | 14.09% | 14.07% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |